Life and annuity products can remain in force for decades. The administration system underneath them has to support product change, transaction integrity, financial control, and new digital experiences without turning routine updates into engineering projects.
PAS modernization is about more than hosting. Buyers need to know how quickly products can change, how safely rules are governed, how transactions are recorded, and how the core connects to the rest of the insurance stack.
Configure product structures, rates, riders, funds, transactions, and rules with governed control.
Use consistent calculations across new business, illustrations, and in-force administration where needed.
Maintain a traceable transaction record that supports the carrier’s audit and financial-control requirements.
Connect distribution, underwriting, servicing, finance, and data through modern APIs.
Zahara is Zinnia’s policy administration system for building, testing, launching, and servicing life and annuity products on modern infrastructure.
POLICY ADMINISTRATION SYSTEM
A cloud-native PAS built around configurable product components, a multi-purpose calculation engine, modern APIs, real-time event processing, and a distributed ledger.
CONFIGURATION LAYER
A no-code configuration control center for carrier and product setup, rules, workflows, correspondence, and governed change.
Admin Console moves routine configuration out of engineering queues while preserving role-based control and approval. Product, actuarial, compliance, and implementation teams can work within governed workflows instead of relying on manual or spreadsheet-based handoffs.
The working proof point is the shift itself: onboarding work moves out of engineering-heavy, spreadsheet-based setup and into guided configuration that is reviewed, approved, and traceable.
Compare platforms on change, control, integration, and how well the system holds up over the life of the product.
How are rates, riders, funds, product rules, correspondence, and transaction logic configured? Separate routine business change from work that truly requires engineering.
Look for approvals, version history, contributor roles, preview, rollback, and a clear audit trail.
Evaluate traceability, reconciliation, GL connections, cash controls, and the traceability of policy values and changes that supports the carrier’s audit and regulatory review processes.
Can the PAS act on service requests and policy changes in real time? Map APIs and events across new business, underwriting, portals, documents, finance, and data.
A modern core still needs a credible implementation path. Evaluate coexistence, conversion, testing, reconciliation, cutover, and business continuity during the transition.
Policy administration holds the policy record, but it should not absorb every adjacent workflow. Distribution, underwriting, servicing, finance, and fund operations need clear connections to the core.
New business arrives from distribution and the order-entry workflow.
Underwriting and issue decisions complete before the policy record is established.
The policy record, product configuration, and transaction history are held and governed in the core.
Service requests and self-service experiences act on the policy record in real time.
Financial control, reconciliation, and separate-account processing connect back to the core.
Zahara sits inside Zinnia’s insurance platform business, which administers life and annuity assets for carrier clients.
Figures: Zinnia internal data.
Zahara can support the target-state administration model for new products or a broader modernization program. Zinnia Launch provides product-build context around the core, while Legacy Modernization & Conversion addresses coexistence, migration, reconciliation, and cutover.
Product-build context around the core, from product design through deployment.
Coexistence, migration, reconciliation, and cutover on the path to the target state.
A digital layer for policy visibility, service transactions, authorization, workflow, and status above the system of record.
Unitization, pricing, trade execution, reconciliation, fees, and reporting for separate-account assets.
Whether the goal is a new product launch, PAS replacement, or a modern target state alongside existing systems, evaluate how the core handles product change, transaction control, and lifecycle connections.
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