Why Decoupling PAS Intelligence Is a Must for Insurance Agility

Insurance cores were built for stability, not speed. Over time, they have become harder to change, slowing innovation and increasing transformation risk. A full core replacement isn’t always practical. But it’s also not necessary. The smarter path forward? Core enablement, not core overhaul.
By decoupling intelligence and experience from the PAS core, insurers can unlock agility without rewriting the foundation.

Key Takeaways

This POV shows how insurers can:

• Modernize without ripping and replacing core systems
• Decouple business workflows from rigid core logic
• Orchestrate underwriting, policy, claims, billing, and servicing end to end
• Balance speed, control, and regulatory compliance
• Build readiness for AI-driven and ecosystem-led growth

Why It Matters

As customer expectations accelerate and regulatory scrutiny increases, legacy cores are being pushed beyond their limits. Hollowing out the core allows insurers to adapt quickly while maintaining the stability and governance the business depends on.

Business Impact

Insurers adopting this approach are achieving faster product launches improved operational visibility reduced transformation risk and stronger customer and agent experiences.

By externalizing workflows and intelligence, insurers can modernize around their core systems rather than replacing them.

Explore the Perspective

Discover how hollowing out the core can help your organization modernize at speed while protecting what already works.