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ZAHARA

Next gen policy admin system.

Designed to launch products faster and operate at scale.

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Results snapshot.

0%Faster time to market

Zahara can compress your time by up to half.

Over0%In-good-order rate

New business transactions fast-tracked through digital processing.

Designed to enable near-instant

straight-through processing for new business.

Automates the entire policy lifecycle.

The system of record provides real-time access to policy information, self-service transaction capabilities, and streamlined operations through a single, intuitive interface. It can function as both a standalone UI and a headless API, integrating with existing policy administration systems without requiring full system replacements.

Zahara policy administration interface showing rate details and product configuration

Core components.

Pre-configured insurance chassis

Enables faster product launches while maintaining flexibility.

Multi-purpose calculation engine

Powers new business quoting, illustrations, and in-force administration with single setup.

Distributed ledger

Single source of truth for all transactions, eliminating manual reconciliation with instant, traceable, and auditable records.

Rapid testing

Delivers rapid product testing and policy lifecycle management, enabling faster launches that meet market and regulatory demands.

Cloud-native architecture

Seamlessly integrates with partners and legacy systems through flexible, modern Enterprise APIs.

Real-time event processing

Processes updates, service requests, and policy changes instantly, minimizing friction and latency.

Why industry-leading carriers choose Zahara.

Smart contract innovation

Distributed ledger technology with immutable audit trails provides enhanced transparency and compliance capabilities not available in traditional policy management systems.

Real-time processing capability

Digital event processing enables immediate policy updates and real-time lifecycle management, improving operational efficiency and customer experience.

Accelerated time-to-market

Pre-built templates and customizable product builders across a wide range of products significantly reduce product development cycles compared to traditional platform implementations.

Modern scalable architecture

Cloud-based platform with parallel processing capabilities supports enterprise scale while maintaining performance and reliability.

Embedded compliance

Incorporates firm-specific and regulatory requirements directly into the transaction process with automated suitability validation, document generation, and audit trails.

Enhanced agent experience

Built to be simple and responsive, making it easy for agents to quote, submit, and track annuity business across carriers with pre-fill capabilities and guided workflows.

Related content

Policy Administration & Modernization

Podcasts

See all Policy Admin episodes
S1E26 · 41:57

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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S1E25 · 31:48

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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