What is core system modernisation in insurance?

Core system modernisation refers to replacing or incrementally upgrading legacy policy administration, claims, and billing platforms with modern, API-enabled systems that support digital distribution, straight-through processing, and regulatory reporting requirements.

How does Portamus approach insurance EA assessments?

We assess the full insurance technology landscape — core systems, distribution, reinsurance connectivity, and analytics — and produce an architecture assessment with a prioritised modernisation roadmap aligned to the insurer's strategic objectives and regulatory obligations.

Can you help with Solvency II IT governance?

Yes. We design the IT governance architecture required for Solvency II compliance, covering IT risk management, data quality frameworks, model validation architecture, and audit-ready documentation aligned to COBIT governance principles.

How do you integrate InsurTech solutions with legacy core systems?

We design an API-based integration architecture that wraps legacy core systems with modern API layers, enabling InsurTech connectivity for telematics, parametric products, and digital distribution without requiring full core system replacement.

What is open insurance and how does Portamus support it?

Open insurance refers to the use of APIs to expose insurance data and capabilities to third parties — brokers, aggregators, and embedded insurance providers. Portamus designs the API platform architecture, data governance model, and partner onboarding process for open insurance implementations.

Insurance | Portamus GmbH

Insurance

Core insurance system modernisation, claims architecture, and digital transformation for insurers and reinsurers.

Industry Overview

The Insurance Landscape

About This Industry

Insurers and reinsurers operate complex core system landscapes spanning policy administration, claims management, billing, and actuarial platforms — under increasing pressure to modernise, integrate InsurTech solutions, and meet regulatory requirements including Solvency II and DSGVO.

Why Architecture Matters

Monolithic core insurance systems create integration barriers, slow claims processing, and limit digital distribution capabilities. A structured EA approach enables incremental modernisation, InsurTech integration, and compliant data architecture across all insurance lines.

Who We Support

Property & Casualty Insurers Life & Health Insurers Reinsurers InsurTech Providers Insurance Brokerages

Common Challenges

Key Challenges for Insurance Organisations

Core System Modernisation Complexity

Claims Process Digitalization

InsurTech Integration

Regulatory Compliance Architecture

Open Insurance API Readiness

Relevant Frameworks & Standards

Frameworks Relevant to Insurance

Frameworks and standards Insurance organisations commonly adopt to drive architecture and transformation outcomes.

TOGAF

Enterprise Architecture Framework

Structures insurance system transformation across policy admin, claims, billing, and distribution layers using the Architecture Development Method (ADM) to govern the modernisation roadmap.

COBIT

IT Governance

Provides the governance and control framework for regulated insurance IT environments, supporting audit readiness, risk management, and Solvency II IT governance requirements.

BPMN

Business Process Modelling

Models underwriting, claims handling, and policy servicing workflows to identify digitalization and automation opportunities across insurance operations.

SAP Architecture

SAP Financial Services (FS-CD, FS-PM)

Provides the reference architecture for SAP Financial Services components including Collections & Disbursements (FS-CD) and Policy Management (FS-PM) for insurance core system implementations.

Services Commonly Used

Where Insurance Clients Usually Start

EA Management

Assessment of the insurance core system landscape — policy admin, claims, billing, and distribution — with a prioritised modernisation roadmap and integration strategy.

Business Process Management

Process design and optimisation for underwriting, claims handling, and policy servicing workflows, including straight-through processing and automation opportunities.

Enterprise Integration

Integration architecture for InsurTech connectivity, reinsurance data exchange, and open insurance API design following industry standards.

Cloud Architecture

Cloud platform design for insurance workloads including core system migration, data analytics platforms, and digital distribution channel architecture.

vCIO Advisory

Executive IT leadership and governance support for insurance transformation programmes, including board-level reporting and Solvency II IT governance alignment.

Ready to Transform Insurance Architecture?

Tell us about your organisation and we will scope an engagement around your specific context — usually within two business days.

Schedule Consultation

Architecture Challenges

Common patterns across engagements.

Core System Modernisation

Designing a phased modernisation roadmap for legacy policy administration and billing systems, balancing innovation with regulatory continuity and integration requirements.

Claims Process Digitalization

Redesigning the claims architecture to enable digital FNOL, automated claims triage, straight-through processing, and fraud detection integration across all lines of business.

InsurTech Integration Architecture

Designing the integration architecture for InsurTech partnerships covering parametric products, telematics, embedded insurance, and digital distribution channels.

Open Insurance API Design

Building an open insurance API platform that exposes policy, claims, and distribution capabilities to brokers, partners, and digital ecosystem players following open insurance standards.

How We Help

A Structured Approach, Not a One-Off Engagement

Assess

Current-state architecture assessment covering applications, technology, and operating model.

Design

Target-state architecture and transformation roadmap aligned to business strategy.

Deliver

Programme execution, governance, and architecture decision support throughout delivery.

Enable

Knowledge transfer and enablement so architecture capability remains with your team.

Evolve

Ongoing advisory and architecture review to keep the programme aligned as the business changes.

Related Frameworks & Standards

Frameworks and standards most relevant to Insurance organisations:

TOGAF COBIT BPMN SAP Architecture

The Portamus Difference

Portamus supports insurers and financial-services providers in modernising policy, claims and portfolio platforms while meeting supervisory requirements. As a TOGAF®-certified partner with SAP and integration expertise, our senior architects bring structure and governance to complex insurance IT landscapes.

How we help Insurance organisations

Insurers modernise policy and claims platforms while integrating legacy portfolios and meeting supervisory requirements. Our architects bring structure to complex insurance IT landscapes — from core-system integration to cloud and data architecture — with governance and regulation designed in from the start.

We typically begin with a focused architecture maturity assessment and expand into EA Management and Business Process Management as priorities become clear.

Service: EA Management
Service: Business Process Management
Service: Enterprise Integration
Related industry: Banking & Financial Services
Related industry: Healthcare & Life Sciences
TOGAF
COBIT
BPMN
SAP Architecture

FAQs

Questions About Insurance

Do not see your question here? Our team is happy to walk through the specifics of your organisation.

Ask Our Team

Insurance

The Insurance Landscape

About This Industry

Why Architecture Matters

Who We Support

Key Challenges for Insurance Organisations

Core System Modernisation Complexity

Claims Process Digitalization

InsurTech Integration

Regulatory Compliance Architecture

Open Insurance API Readiness

Frameworks Relevant to Insurance

TOGAF

COBIT

BPMN

SAP Architecture

Where Insurance Clients Usually Start

EA Management

Business Process Management

Enterprise Integration

Cloud Architecture

vCIO Advisory

A Structured Approach, Not a One-Off Engagement

Assess

Design

Deliver

Enable

Evolve

How we help Insurance organisations

Related services, industries & standards

Questions About Insurance