Carriers may need to improve digital servicing now, remediate integrations, move a block into a new operating model, or convert policies and rules to a modern administration platform over time. Zinnia supports those paths so the transition can match the risk, economics, and urgency of the book.
A sound target-state architecture is only part of the decision.
Data has to map correctly.
Policy values have to reconcile.
Integrations have to keep running.
Operations need a workable model throughout the transition.
COEXIST
Add digital capabilities and servicing around existing administration systems before a full replacement is practical.
CONVERT
Convert policies, product rules, data, and integrations into Zahara or another target administration environment with validation testing and a planned cutover.
TRANSITION OPERATIONS
Move administration and operational responsibility into a Zinnia-supported model when the operating structure changes alongside or after modernization.
Compare how each approach sequences, validates, and absorbs risk during the transition.
Can digital experiences, APIs, and workflow improvements be introduced around the current core before a full PAS replacement is practical?
Moving records is not enough. Policy values, calculations, product rules, balances, and financial outputs have to reconcile between source and target.
Inventory and redesign the connections around the core, including distribution, order entry, underwriting, documents, finance, data, and servicing.
The business still has to issue, service, pay, reconcile, and report during modernization. Evaluate service levels, staffing, exception handling, and ownership before and after cutover.
Some books may remain on a legacy core with a modern digital layer, some may move to a new PAS, and others may transition to a TPA model.
Source data needs to be understood before it is transformed. Policy and product rules need a target-state mapping. Actuarial and financial results need to be validated. Interfaces need to be tested. Cutover needs clear readiness criteria and exception handling.
Source data needs to be understood before it is transformed.
Policy and product rules need a target-state mapping.
Actuarial and financial results need to be validated, and interfaces need to be tested.
Cutover needs clear readiness criteria and exception handling.
The carrier moves toward a new target state at the pace the book allows.
Zinnia Now can support a progressive path where digital capabilities are layered over existing systems, integrations are modernized, and the carrier moves toward a new target state at the pace the book allows.
Use Zahara as a target-state PAS option when modernization includes core replacement.
Use Zinnia Live and MyPolicyView to improve digital servicing while legacy administration systems remain in place.
Transition a block into a Zinnia-operated administration model when modernization also changes who runs the day-to-day operation.
Preserve or remediate the upstream connections that still need to submit, underwrite, issue, and service business during and after the transition.
Start with the business outcome, the risk the book can absorb, and the dependencies that cannot break. Then choose coexistence, conversion, an operating-model transition, or a staged combination.
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