The Insurance Technology Platform
Zinnia simplifies insurance
One platform connecting carriers, distributors and consumers across the life and annuity market.
Everyone in this business wants the same thing
An advisor who can quote, apply, and issue without leaving the conversation. A family that understands what they bought and gets a straight answer when they call. Retirement income that lands on time, every month, for thirty years.
Nobody argues about the destination.
But then the work meets the systems
The same data gets keyed three times.
An integration built for one carrier breaks on the next one.
Business that could move quickly can instead spend weeks in NIGO.
Even a straightforward change can become a major technology project.
Some complexity is unavoidable.
Disconnected systems aren't.
That's why we build the pieces that work together
Zinnia builds the systems underneath life and annuity, from product configuration and distribution through underwriting, administration, servicing, and fund operations. We connect them to each other and to what you already run.
Start with one workflow. Replace a core. Hand a block to our operations team. Run alongside your existing admin platform for as long as that serves you.
You set the destination. Your technology should adapt to where you're going, not define where you can go.
At every stage of the process
Here's what Zinnia builds and operates at each stage.
Distribute & sell
Connect quoting, illustrations, order entry, carriers, distributors, and advisors.
Start with what you want to change
You don't have to start with our entire portfolio.
We're trusted with the parts that have to work
None of this is aspiration. These pieces run live business today for many of the industry's largest carriers, distributors, and banks. They hand us their transactions, their policyholder service, and their name on the statement, and we carry that weight every day. Our systems process the business. Our teams administer the policies. Our controls answer to the regulators and auditors who examine the business we administer.
Every policy makes a promise measured in decades. We work inside the process, not just on it. That accountability goes back into what we build.
Connect more when you need more
So bring us the workflow held together by workarounds
The spreadsheet somebody updates by hand.
The data entered twice.
The six-step process that needs three.
The legacy system standing between you and the experience you want to create.
Or the thing you've wanted to build and couldn't move fast enough on.
Bring us the hard problem. We'll help build what's possible, so your teams can focus on what insurance is ultimately here to do: protect families and help people retire securely.
Questions buyers ask
What does Zinnia do?
Zinnia builds software and runs operations for the life and annuity industry. The software covers product configuration, distribution, order entry, underwriting, policy administration, servicing, and fund operations. Our teams also run administration and agent services as a TPA.
Who is Zinnia for?
Life and annuity carriers, distributors (broker-dealers, banks, and IMOs/BGAs), and the advisors who sell through them.
Can we start with just one part of Zinnia?
Yes. Start with a workflow, product line, system, or block of business. Add and connect more as your needs change.
Can Zinnia work with the systems we already have?
Yes. Zinnia is designed to integrate with and run alongside a range of existing administration, distribution, agency, and data systems.
Do we have to choose between software and services?
No. You choose the mix. Some clients license the software and run it themselves. Some hand us the operation as a TPA. Many do both, and shift the mix as their operating model changes.
Zinnia simplifies insurance.