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TPA SERVICES

Choose the operating model before you choose the provider

Some carriers need a partner to run the administration operation. Others need experienced capacity around specific workflows. Zinnia supports both, so the evaluation can start with the work the carrier wants to transfer and the control it wants to keep.

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Define the operating boundary first

A TPA evaluation starts with scope.

  1. What stays with the carrier

    Which responsibilities stay with the carrier?

  2. What moves to the partner

    Which move to the partner?

  3. Who owns the outcome

    Who owns decisions, exceptions, controls, and customer outcomes?

FULL THIRD-PARTY ADMINISTRATION

TPA Services

End-to-end administration and operational support for carriers that want Zinnia to take on a broader operating role. Zinnia administers the business on the carrier’s behalf; the carrier retains the insurance risk and the underlying authority.

  • New business and policy administration
  • In-force servicing and claims-processing support within carrier-defined authority, procedures, and controls
  • Correspondence and mail operations
  • Finance operations and reconciliation support within the agreed administration scope
  • Operations spanning broker-dealer, BGA, IMO, wirehouse, bank, and direct channels
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TARGETED OPERATIONAL SUPPORT

Agent Services

Insurance-experienced professionals, licensed where the work calls for it, and proven workflows that extend the carrier or distributor team without a full administration transfer.

  • New business and case processing
  • Underwriting case support
  • Commission processing, reconciliation, and administrative support, based on the agreed service scope
  • Policy servicing and policyholder support within agreed carrier-authorized workflows, scripts, and controls
  • Scalable operational support and service-level reporting based on the agreed engagement
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Where TPA operating models differ

The differentiators are in the operating model around the work, not in the ability to process a transaction.

01

Scope and accountability

Define which lifecycle activities move, which stay, and who owns decisions, exceptions, controls, and customer outcomes. The carrier remains the insurer of record and retains the insurance risk; Zinnia operates within the authority the carrier delegates.

02

Transition discipline

Evaluate data conversion, procedure transfer, testing, knowledge capture, reconciliation, cutover, and how service continuity will be planned for and monitored while responsibility moves.

03

Technology and integration model

Map applications, policy data, documents, payments, finance, portals, distribution systems, and third-party services into the operating model.

04

Financial and operational control

Define which financial and operational controls are in scope, including applicable reconciliation, payment controls, GL support, exception handling, audit evidence, quality controls, and escalation paths.

05

Visibility after outsourcing

Look for workflow-level service reporting, aging work, exceptions, escalations, performance measures, and governance that keeps the carrier informed without forcing it back into transaction management.

Transition is part of the service

The biggest risk is often the move into the operating model. Policies, values, rules, documents, procedures, integrations, financial controls, and customer servicing all need a controlled transition designed to support continuity of the book.

Deeper migration strategy and actuarial reconciliation belong in conversions and migrations.

Keep control after the work moves

Service levels and throughput by workflow, not only an aggregate SLA.

Exceptions, aging work, escalations, and ownership of unresolved cases.

Financial reconciliation and payment controls tied to the agreed administration scope.

Quality, audit, and control evidence the carrier can review directly.

Performance and capacity trends that show how the model handles growth and seasonality.

Connected across the policy lifecycle

Order Entry & eApp can feed new business into the operating model. Policy Administration provides system-of-record context. Policy Servicing & Self-Service covers the digital in-force experience. Conversions and migrations cover the transition path when the administration decision also includes a system or block migration.

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5

New Business

Order entry and eApp can feed new business into the operating model.

Policy Administration

Policy administration provides system-of-record context.

In-Force Servicing

Policy servicing and self-service cover the digital in-force experience.

Claims

Claims-processing support sits alongside in-force servicing inside the same operating model, within carrier-defined authority, procedures, and controls. Claim decisions rest with the carrier unless authority is expressly delegated in the agreement.

Finance + Reporting

Finance operations and reconciliation support stay inside the agreed administration scope.

Proof at administration scale

The operating model spans broker-dealer, BGA, IMO, wirehouse, bank, and direct-to-consumer channels.

Figures: Zinnia internal data. Policies with servicing activity, new business policies issued, and premium processed are calendar-year 2024 volumes across Zinnia’s third-party administration operations. The 41% straight-through figure is the share of TPA transaction work items (child cases generated from parent service requests) completed with no manual touch, measured year-to-date 2025 as of July 2025; it covers transaction types handled by the TPA operation and does not describe claim decisions or Agent Services engagements.

850K
Approx. policies serviced per year
Approximately 850,000 policies with servicing activity in a year through Zinnia's third-party administration operations.
180K
Approx. new business policies issued per year
Approximately 180,000 new business policies issued in a year through Zinnia's third-party administration operations.
$35B
Approx. annual premium processed through TPA
Approximately $35 billion in premium processed in a year through Zinnia's third-party administration operations.
41%
TPA transactions processed straight-through
41% of third-party administration transactions were processed straight-through, with no manual intervention, in 2025.

Related workflows

Agent Services

Extend the carrier or distributor team with insurance-experienced professionals, licensed where the work calls for it, and proven workflows, without a full administration transfer.

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Choose the level of support the operation needs

The answer may be full administration, targeted capacity, or a staged path between the two. Define the responsibilities, controls, and outcomes first, then choose the operating model.

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