By Industry – Insurance

API and AI Solutions for Insurance

The insurance industry is experiencing accelerated change driven by shifting customer expectations, digital distribution channels, new InsurTech entrants, and an increased reliance on real-time data for underwriting, claims, and risk modeling. Traditional insurers must integrate a growing array of systems—policy administration, claims management, underwriting workbenches, actuarial engines, CRM tools, rating systems, fraud detection platforms, third-party data sources, and partner distribution networks. Historically, these systems were built as monolithic, siloed applications, making them difficult to connect, scale, or update. As insurers modernize toward cloud-based architectures, omnichannel engagement models, and data-driven processes, they face increasing pressure to unify these disparate systems securely and efficiently.

Flexible and SECURE

Secure Modern Innovation

An API Gateway provides the centralized, secure integration backbone required to modernize the insurance value chain. Serving as the single control point for all API traffic, the Gateway enforces strong authentication, authorization, rate limiting, auditing, and threat detection—ensuring that sensitive policyholder data is exchanged securely and in compliance with regulations such as HIPAA (for health insurers), SOC 2, GDPR, PCI-DSS (payments), state DOI mandates, and NAIC model laws. By decoupling modern digital experiences from legacy core systems, the Gateway enables insurers to rapidly deploy new capabilities such as instant quoting, automated underwriting, real-time telematics integrations, digital claims submissions, agent/broker self-service portals, and AI-powered fraud detection systems.

proven roi

Cost Reduction and Risk Mitigation

From a business perspective, an API Gateway delivers meaningful improvements in distribution efficiency, operational agility, risk management, and customer engagement. Insurers can accelerate the rollout of new digital sales channels—including embedded insurance, marketplace integrations, and affinity partnerships—by exposing product, pricing, and policy issuance APIs in a controlled, governed manner. Backend efficiencies improve as claims, underwriting, and policy servicing systems become interoperable, reducing manual work and speeding up decision-making. Performance enhancements like caching and optimized routing reduce latency for quoting engines, actuarial models, and claims workflows—directly improving agent productivity and customer satisfaction. The Gateway also simplifies onboarding of data partners (e.g., telematics providers, inspection services, credit bureaus, weather data APIs), enabling more accurate risk assessment and dynamic pricing models.

strategic enablement

Speed, Security, and Interoperability

An API Gateway is a strategic enabler for digital transformation in the insurance sector. It enhances cybersecurity posture, ensures regulatory compliance, reduces integration costs, and accelerates innovation across distribution, underwriting, claims, and policy servicing domains. Insurers that adopt a robust API Gateway position themselves to compete effectively in a rapidly evolving marketplace by delivering faster, more personalized, and more transparent experiences to policyholders, agents, and partners—while unlocking new revenue streams through embedded and partner-driven insurance models.

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Industry Leading API Security Innovation

Transport Security

Protocol break Built-in PKI engine FIPS 140-2 TLS 1.2 ciphers Protocol translation

Message Security

Bi-directional transaction correlation Full payload contextual analysis

Threat Mitigation

AV and malware scanning OWASP top 10 protection RegEx pattern engine Rate and size SLA control

Data Integrity

Request and response schema validation DSIG and DSIG Verification

Data Privacy Assurance

Encryption and Decryption Data encoding or redaction

Authentication and SSO

Conversion of any-to-any PKI Auth, HTTP Auth, SAML, OAuth, OpenID Custom identity token

Data Translation

Header and Body mapping Conversion of XML, JSON Transformation

Auditing

Machine Learning META Data Format AI Logs Full context transaction logging