Modernize your legacy system.
Zinnia Now adds smart automation and digital workflows to your existing systems—keeping operations running smoothly and efficiently.
See Zinnia Now in action
Watch how Zinnia Now modernizes legacy systems without disruption
The power to simplify, connect, and digitize operations.

Proven at enterprise scale.
leading banks simplify & support their life & annuity operations
of automation rate for new business applications for large carriers

assets under management supported by Zinnia
carriers deliver faster, simpler life & annuity experiences
distributors simplify the life & annuity sales & servicing process
in annuity premiums with trust and reliability
of digital annuity transactions through broker-dealers via DTCC
Behind the scenes of digital transformation.
Zinnia Now modernizes insurance operations by digitizing the back office without replacing legacy systems. It automates workflows, connects siloed data, and supports real-time decision-making across policy servicing, underwriting, and compliance. With its modular design, carriers can quickly add digital capabilities and scale operations with less complexity on your timeline.
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Policy Administration & Modernization
Guides & Playbooks
View all guidesBuild the RILA launch capability—not just the first product
This playbook gives carriers a practical framework for building the manufacturing capability behind repeatable RILA launches—from hedging and registration through valuation and distribution.
View resource →Build an IUL launch machine
This playbook gives carriers a repeatable process for launching, repricing, and updating IUL products while keeping illustrations aligned with the filed contract.
View resource →Insights
See all Policy Admin insightsWashington Is Putting Guaranteed Income on the Kitchen Table
Federal policy is creating favorable conditions for guaranteed income — pushing it into everyday consumer conversation and opening even greater opportunity for FIAs. The carriers who have modern infrastructure ready will capture the demand.
Read moreJanuary 2, 2026What to Expect for Individual Annuity Design in 2026
In a roundup for Life Annuity Specialist, Zinnia CEO George Esposito shares his outlook on annuity product design trends for 2026, highlighting the industry shift toward simpler, protection-focused products as millions of Americans enter retirement.
Read moreNovember 27, 2025The Role of AI in Securing Insurance Data and Cloud Security
In an expert opinion piece for CXO Today, Zinnia India CTO Pawan Choudhary explores how AI and cloud computing are reshaping cybersecurity in the insurance sector, from real-time threat detection to blockchain-based policy records.
Read morePodcasts
See all Policy Admin episodes
We Didn't Rewrite the Insurance Code for Excel: Commissioner Jon Godfread on Regulating AI
North Dakota Insurance Commissioner Jon Godfread, who helped shape the NAIC's approach to AI almost by accident, explains why regulators favor principles, governance, and exams over prescriptive new laws. He describes the AI exam pilots now running in twelve states, consumers filing chatbot-drafted complaints that cite the wrong statutes, and why regulators now build their websites for AI agents. He closes with blunt advice for carriers: get moving, start with low-risk back-office work, and talk to your regulator before you launch.
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A Significant Unmet Need — But No Unmet Demand: Dennis Martin on Why Life Insurance Still Has to Be Sold
Dennis Martin — President of Individual Life and Financial Services at OneAmerica Financial, an actuary who entered the industry in 1991 and has led OneAmerica's life and long-term care businesses since 2018 — dismantles the industry's favorite statistic in one sentence: the trillion-dollar coverage gap is a significant unmet need, but there is no unmet demand. Life insurance demand is generated, not natural, and it is generated by producers — the resource in shortest supply for twenty years. From there he traces the pandemic's role as "the ultimate accelerator," draws the line between going electronic and going truly digital, makes the contrarian demographic case for long-term care, and argues that unless you are Anthropic or OpenAI, AI is not your business — it's fuel for your business.
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Zinnia Launches Whole Life Chassis on Zahara, Built for Final Expense Volume
Zinnia adds a whole life chassis to Zahara, giving carriers a path to configure and launch whole life products in as few as three months.
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Zinnia and Kuvare Deepen Partnership as Carriers Demand Faster, Smarter Technology
Expanded adoption of Zahara and Zinnia Live demonstrates how carriers can move faster and operate smarter on a connected technology ecosystem.
Read more →