Digital Transformation for Insurance and InsurTech
Insurers are judged on pricing, claims and service. Routeget connects policy, claims, underwriting and finance data so decisions are faster and customers are served consistently.
30+
clients served
$15M+
Savings Delivered
15+ yrs
Serving the Sector
20+
Projects Delivered
Insurance: where the market stands today
A fact base for planning. All figures below are third-party research estimates, not Routeget data, and they differ by how each firm defines the market.
Data and digital distribution
Insurers use data, automation and digital channels to price better and serve customers faster.
About US$8 to 9 trillion in premiums
Allied Market Research and Spherical Insights size global insurance premiums in this range.
About 2.5% to 13.5% CAGR
Publishers report a wide range, from about 2.5% real growth to double-digit nominal projections.
Claims efficiency and pricing accuracy
Faster, fairer claims and accurate pricing from connected data improve loss ratios and retention.
Sources: Allied Market Research; Spherical Insights; Maximize Market Research. Figures vary by publisher and definition; verify before external citation. Estimates retrieved October 2026 and subject to each publisher’s definitions; verify against the publisher before citing externally.
End-to-end digital transformation
Strategy, platform selection, integration and data work delivered as one programme.
Regulated finance data models
Accounts, positions, policies and ledgers structured for reconciliation and audit.
Risk and compliance visibility
Controls, approvals and evidence captured as part of the workflow.
Secure integration
Connections between core, channel, reporting and finance systems with strict access control.
Four pressures that shape insurance & insurtech operations
These are the recurring problems we see when underwriting, policy administration, claims and finance operations run on disconnected systems.
Claims leakage
Manual handling and weak data produce over-payment and delays.
Pricing and risk data
Pricing uses data that is not reconciled with claims.
Capabilities built for underwriting, policy administration, claims and finance operations
Pick the area closest to your priority. Each can be delivered on its own or as part of a wider programme.
Hold one trusted record for insurance products.
- Customer, account and relationship data in one model
- Onboarding and verification workflows
- Consent and data-protection records
- Service requests and case history
Keep every transaction reconciled.
- Ledger, sub-ledger and reconciliation controls
- Payments, settlements and exception handling
- Period close and consolidation
- Audit trails for every posting
Make controls visible and evidence ready.
- Policy, limit and approval workflows
- Regulatory reporting data preparation
- Monitoring and alert investigation
- Evidence capture for audits
Serve customers and see performance.
- Digital and branch channel integration
- Product and portfolio performance reporting
- Customer profitability analysis
- Forecasting and scenario views
Two scenarios where connected data changes the day-to-day
These are illustrative scenarios that describe the business objective. They are not customer case studies.
Settling claims faster
Intake, validation and payment move through one workflow with exceptions routed to specialists.
Business objective: cut cycle time and leakage.
Pricing from reliable data
Claims and policy data feed pricing and reserving.
Business objective: improve loss ratio.
How we approach delivery and evidence outcomes
We do not publish unverified customer figures on industry pages. This is how we make outcomes measurable in an engagement.
Baseline first
We agree the starting measures with you before design, such as claims cycle time, loss ratio and straight-through processing.
Delivery in stages
Releases are phased by site and process, so each stage is tested against real operations before the next.
Measured against your targets
Dashboards report the baseline measures from go-live, so benefit is judged on your data.
Examples of Routeget engagements can be discussed in a discovery call, subject to client approval for each reference.
Why Routeget for insurance & insurtech
We bring a delivery approach built around the realities of legacy policy systems, claims leakage and changing customer expectations.
Policy and claims depth
We connect policy, claims and finance data so pricing and reserving use the same facts.
Integrated, not stitched together
Core, channels, risk, reporting and finance share one data model, so operational and financial records reconcile.
Phased, low-disruption rollout
We plan releases around renewal seasons, catastrophe events and regulatory changes to protect service levels.
Data you can act on
Analytics are designed with your operations team, so measures reflect how your plants actually run.
Related reading from the Routeget team
Perspectives on the supply chain, data and integration topics behind this industry.
Why Automating our Supply Chain is Crucial to your Business Success
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Explore adjacent industry practices
Plan your insurance & insurtech digital foundation with Routeget
Book a 30-minute discovery to walk through your product lines, distribution channels and claims teams and your priorities with a Routeget industry specialist.
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Insurance & InsurTech: questions buyers ask us
How do you engage with a insurance & insurtech business?
We usually start with a short discovery and a process review of one product line and its policy lifecycle. From there we propose a phased scope, which can be fixed-scope for defined releases or a time-and-materials team for ongoing improvement.
Can you work with our policy platform?
We design around your platform strategy, integrating or phasing replacements.
Do you support distribution partners?
Broker and agent data, commissions and performance are managed in one place.
Who owns the data and the configuration?
You do. The solution runs in your own environment, and configuration, data models and reports are documented and handed over so your team can maintain them.
How do you approach pricing and timelines?
Pricing and timing follow scope, including the number of products, channels and legacy policy systems. We share an estimate after discovery, with assumptions and exclusions stated, and we confirm timelines only after reviewing your landscape.