Zinnia gives carriers and distributors a digital layer for policy visibility, service transactions, authorization, workflow, and status across the in-force lifecycle while existing administration systems continue to hold the policy record.
A new interface does not help if the request still falls into paper, email, call-center follow-up, or manual re-keying. The servicing layer has to carry the request through authorization, business rules, approvals, processing, and status.
MULTI-PERSONA EXPERIENCE
One digital interface for carrier, advisor, and operations users to see policy, case, and transaction information and manage work across supported policies and systems.
IN-FORCE TRANSACTIONS
Digital servicing for advisor- and carrier-led transactions, with authorization, rule validation, approvals, status, and workflow around in-force requests.
POLICYHOLDER SELF-SERVICE
A white-labeled portal for policyholders to view policy information, complete common service transactions, and manage requests online.
Compare what the experience can actually complete, how it works across personas and systems, and how much manual servicing remains behind the screen.
Which requests can start and finish digitally? Look at authorization, validation, approvals, processing, and status, not only data display.
The same transaction may involve several people. Evaluate whether each persona can complete its part without moving the case into separate tools.
Review support for multi-factor authentication, identity verification, reauthentication, approvals, and the audit trail created when the client authorizes the action, which the carrier can use in its own compliance review.
Surface product rules, required information, fees, surrender charges, and approval requirements before submission so they do not become downstream exceptions.
Look at API, standards-based, and legacy connectivity, and whether the experience can support policies across systems, products, and books.
Zinnia Live In-Force can move an advisor-led request from initiation to client authorization and back into processing with the case history and status intact. MyPolicyView gives policyholders a carrier-branded self-service path for policy information and common transactions.
Carriers often need better customer and advisor servicing before a PAS replacement is practical. Zinnia Live connects through APIs and other integration paths so the servicing experience can improve while existing systems continue to hold the policy record.
Existing administration systems continue to hold the policy record.
Policyholders, advisors, and operations users start and track the request in one interface.
Client authorization, IGO validation, and business rules run before the request moves on.
Cases, tasks, and manager approvals carry the request through to processing.
Near-real-time status and a retained audit trail follow the completed transaction.
Use Zinnia Live and MyPolicyView as the digital servicing layer above Zahara or another administration system.
Connect advisor and book-of-business context to service requests after issue.
Use the same coexistence model when digital servicing needs to improve before or during a broader modernization program.
Pair the digital servicing experience with an operating model that can execute in-force work when Zinnia also supports administration.
Start with the transactions, personas, and systems creating the most friction, then design the servicing layer around how those requests need to move.
Related insights
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Read moreFebruary 18, 2026The annuity industry has become very good at selling. Paul Tyler, Head of Industry Relations, argues it needs to become just as good at servicing — and explains why the carriers that make post-issue experiences seamless will own the next decade of growth.
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