Legacy Underwriting System Replacement

Replace legacy underwriting systems with a platform built for the agentic world.

hx replaces legacy submission intake tools, pricing models, underwriting workflows, and portfolio analytics into one governed platform. For commercial P&C carriers and MGAs moving off spreadsheet-based tooling, legacy pricing systems, or disconnected point solutions.

Modular by design, hx lets you start with one capability and expand over time. Actuarial teams build pricing models in Python without IT bottlenecks. Underwriting managers enforce consistent decision logic. Portfolio leadership gets continuous visibility into the book.

10x faster pricing model deployment, so actuarial cycles that took months in your legacy system take days on hx.

$60bn contracted through the platform annually, across global carriers, Lloyd's syndicates, and MGAs, so you're migrating to a proven foundation.

Phased adoption by line of business, so you replace legacy tools at your own pace without disrupting a renewal season.

Trusted by leading insurers including:

Try hx for yourself

Abstract gradient background in shades of blue for a modern, tech-focused theme.
Abstract gradient background in shades of blue for a modern, tech-focused theme.

With hx customers achieve:

10x faster pricing model deployment, so actuarial cycles that took months in your legacy system take days on hx.

$60bn contracted through the platform annually, across global carriers, Lloyd's syndicates, and MGAs, so you're migrating to a proven foundation.

Phased adoption by line of business, so you replace legacy tools at your own pace without disrupting a renewal season.

Trusted by leading insurers including:

One connected platform. Not another tool to bolt onto the stack.

  • Data ingestion interface showing uploaded documents and supported file formats.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Submission Triage: replace manual intake with AI-powered routing

    Legacy intake processes route submissions through email, shared inboxes, and spreadsheet trackers. hx applies AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

    When appetite changes, routing reflects it without manual reconfiguration.

  • Data ingestion interface showing uploaded documents and supported file formats.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Submission Triage: replace manual intake with AI-powered routing

    Legacy intake processes route submissions through email, shared inboxes, and spreadsheet trackers. hx applies AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

    When appetite changes, routing reflects it without manual reconfiguration.

  • Data ingestion interface showing uploaded documents and supported file formats.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Submission Triage: replace manual intake with AI-powered routing

    Legacy intake processes route submissions through email, shared inboxes, and spreadsheet trackers. hx applies AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

    When appetite changes, routing reflects it without manual reconfiguration.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Pricing & Rating: build and deploy models without IT bottlenecks

    Your actuarial team builds pricing models in Python and deploys directly to production, without vendor engagements or lengthy internal release cycles. That's the difference from legacy pricing platforms, where every assumption change requires an IT handoff.

    When pricing strategy shifts, triage logic follows automatically. Both run on the same models.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Pricing & Rating: build and deploy models without IT bottlenecks

    Your actuarial team builds pricing models in Python and deploys directly to production, without vendor engagements or lengthy internal release cycles. That's the difference from legacy pricing platforms, where every assumption change requires an IT handoff.

    When pricing strategy shifts, triage logic follows automatically. Both run on the same models.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Pricing & Rating: build and deploy models without IT bottlenecks

    Your actuarial team builds pricing models in Python and deploys directly to production, without vendor engagements or lengthy internal release cycles. That's the difference from legacy pricing platforms, where every assumption change requires an IT handoff.

    When pricing strategy shifts, triage logic follows automatically. Both run on the same models.

  • Graphs displaying key insurance metrics like premium distribution and rate adequacy.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Decision Engine: governed logic that updates without a release cycle

    Legacy systems store underwriting rules in spreadsheets, email chains, and institutional memory. hx puts all of that in a governed environment, accessible to business users without code and extensible for technical teams with pro-code access. Every decision logs automatically, with no separate audit process required.

    When appetite changes, update the logic once. Every connected workflow reflects the change.

  • Graphs displaying key insurance metrics like premium distribution and rate adequacy.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Decision Engine: governed logic that updates without a release cycle

    Legacy systems store underwriting rules in spreadsheets, email chains, and institutional memory. hx puts all of that in a governed environment, accessible to business users without code and extensible for technical teams with pro-code access. Every decision logs automatically, with no separate audit process required.

    When appetite changes, update the logic once. Every connected workflow reflects the change.

  • Graphs displaying key insurance metrics like premium distribution and rate adequacy.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Decision Engine: governed logic that updates without a release cycle

    Legacy systems store underwriting rules in spreadsheets, email chains, and institutional memory. hx puts all of that in a governed environment, accessible to business users without code and extensible for technical teams with pro-code access. Every decision logs automatically, with no separate audit process required.

    When appetite changes, update the logic once. Every connected workflow reflects the change.

  • Bar chart showing charged premium changes from 2024 to 2025 by country.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Portfolio Intelligence: continuous book visibility without month-end data pulls

    Legacy platforms produce portfolio data after the fact, aggregated in Excel or exported to BI tools weeks after the period closes. hx gives you GWP, rate adequacy, and combined ratio in near real time, sliced by line, segment, broker, or territory instantly.

    Feedback loops between decisions and outcomes improve pricing and triage as your book grows.

  • Bar chart showing charged premium changes from 2024 to 2025 by country.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Portfolio Intelligence: continuous book visibility without month-end data pulls

    Legacy platforms produce portfolio data after the fact, aggregated in Excel or exported to BI tools weeks after the period closes. hx gives you GWP, rate adequacy, and combined ratio in near real time, sliced by line, segment, broker, or territory instantly.

    Feedback loops between decisions and outcomes improve pricing and triage as your book grows.

  • Bar chart showing charged premium changes from 2024 to 2025 by country.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Portfolio Intelligence: continuous book visibility without month-end data pulls

    Legacy platforms produce portfolio data after the fact, aggregated in Excel or exported to BI tools weeks after the period closes. hx gives you GWP, rate adequacy, and combined ratio in near real time, sliced by line, segment, broker, or territory instantly.

    Feedback loops between decisions and outcomes improve pricing and triage as your book grows.

Aviva built 20 models in 9 months and unlocked ML capabilities.

Global Commercial & Specialty. Faster, more accurate pricing decisions at scale.

Gradient background transitioning from deep blue to light blue.
Gradient background transitioning from deep blue to light blue.

Enterprise grade security
and compliance

Enterprise Security

SOC2 Type 2 and ISO 27001:2022 certified, with rigorous controls to protect sensitive underwriting data and help you meet enterprise compliance requirements.

Full audit trails & governance

Every decision, rule change, and model update is captured end-to-end - giving you transparency, accountability, and a clear path for regulatory review.

Open, portable, yours

Structured access to all data, configuration, and code, available anytime for full transparency, portability, and operational continuity.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

See hx in action

Your workflows, not a canned demo

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