Some carriers need a partner to run the administration operation. Others need experienced capacity around specific workflows. Zinnia supports both, so the evaluation can start with the work the carrier wants to transfer and the control it wants to keep.
A TPA evaluation starts with scope.
Which responsibilities stay with the carrier?
Which move to the partner?
Who owns decisions, exceptions, controls, and customer outcomes?
FULL THIRD-PARTY ADMINISTRATION
End-to-end administration and operational support for carriers that want Zinnia to take on a broader operating role.
TARGETED OPERATIONAL SUPPORT
Insurance-experienced professionals, licensed where required, and established workflows that extend the carrier or distributor team without a full administration transfer.
The differentiators are in the operating model around the work, not in the ability to process a transaction.
Define which lifecycle activities move, which stay, and who owns decisions, exceptions, controls, and customer outcomes.
Evaluate data conversion, procedure transfer, testing, knowledge capture, reconciliation, cutover, and how service continuity will be protected while responsibility moves.
Map applications, policy data, documents, payments, finance, portals, distribution systems, and third-party services into the operating model.
Understand cash reconciliation, payment controls, GL posting, exception handling, audit evidence, quality controls, and escalation paths.
Look for workflow-level service reporting, aging work, exceptions, escalations, performance measures, and governance that keeps the carrier informed without forcing it back into transaction management.
The biggest risk is often the move into the operating model. Policies, values, rules, documents, procedures, integrations, financial controls, and customer servicing all have to transition while protecting continuity of the book.
Deeper migration strategy and actuarial reconciliation belong in conversions and migrations.
Service levels and throughput by workflow, not only an aggregate SLA.
Exceptions, aging work, escalations, and ownership of unresolved cases.
Financial reconciliation and payment controls tied to administration.
Quality, audit, and control evidence the carrier can review directly.
Performance and capacity trends that show how the model handles growth and seasonality.
Order Entry & eApp can feed new business into the operating model. Policy Administration provides system-of-record context. Policy Servicing & Self-Service covers the digital in-force experience. Conversions and migrations cover the transition path when the administration decision also includes a system or block migration.
Order entry and eApp can feed new business into the operating model.
Policy administration provides system-of-record context.
Policy servicing and self-service cover the digital in-force experience.
Claims-processing support sits alongside in-force servicing inside the same operating model, under carrier claim authority.
Finance operations and reconciliation controls stay inside the administration scope.
The operating model spans broker-dealer, BGA, IMO, wirehouse, bank, and direct-to-consumer channels.
Figures: Zinnia internal data.
Extend the carrier or distributor team with insurance-experienced professionals, licensed where required, and established workflows, without a full administration transfer.
Feed new business into the operating model.
Provide the system-of-record context the operating model works against.
Cover the digital in-force experience alongside the administration operation.
Cover the transition path when the administration decision also includes a system or block migration.
The answer may be full administration, targeted capacity, or a staged path between the two. Define the responsibilities, controls, and outcomes first, then choose the operating model.
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