A modern policy administration system (PAS) is the difference between shipping a new product line in a quarter and waiting three. Redian Software builds greenfield PAS deployments and replaces or extends existing platforms for carriers, MGAs and brokers across the UK, USA, UAE, India and Africa. CMMI Level 3 Appraised, ISO 27001 and 9001 certified, with nine years of production insurance delivery across 200+ enterprises from Noida, Nairobi, Dubai, London and New York.
What we deliver
- Product factory — motor, health, property, marine, engineering, commercial and bespoke lines, configured by product managers without a release cycle.
- Quote-bind-issue — rating, referral, underwriter workbench, document generation in multiple languages, and premium accounting.
- Endorsement, renewal and cancellation — configurable workflows with maker-checker and audit trail.
- Premium accounting and commissions — multi-broker, multi-tier commission structures, statement of account.
- Reinsurance interface — cession calculations, treaty and facultative, bordereau generation.
- Claims interface — clean handover to the claims management platform, with reserve and settlement controls.
- Regulator reporting — IRDAI, FCA, NAIC, IRA Kenya, NAICOM, IA UAE and IIB reporting.
- Broker and customer portals — quote tools, policy servicing, e-sign and document vault.
Who we build this for
- Mid-market carriers and composite insurers replacing legacy PAS
- MGAs and MGUs with bespoke pricing, capacity allocation and bordereau needs
- Brokers and aggregators standing up a PAS-lite for direct binder authority
- Digital-first insurers and microinsurers launching with mobile money, USSD or partner-bank integration
- Cross-border insurance groups operating across multiple regulators
- Insurance groups consolidating a portfolio of legacy PAS systems
Our approach
Discovery — product catalogue review, regulator scan, current-PAS audit (technical debt, integrations, data), and a written proposal with fixed scope. Design — object model, product templates, workflows and rating architecture. Configuration and build — product-factory configuration and custom build for fit gaps. Working software in UAT every two weeks. Data migration — extract, cleanse, reconcile; three-cycle trial migration to UAT before live cutover. UAT and reconciliation — business UAT with underwriters, ops and finance; portfolio reconciliation against the outgoing system. Go-live and parallel run — staged cutover with new plus legacy in parallel where risk demands, hypercare. Optimisation — quarterly business reviews. Timeline committed at end of Discovery, in writing.
Why Redian for PAS
- Insurance-native engineers — nine years of production PAS, claims and reinsurance delivery across carriers, MGAs and brokers.
- Regulator-aware — IRDAI, FCA, NAIC, IRA Kenya, NAICOM, IA UAE and IIB reporting experience.
- CMMI Level 3 Appraised, ISO 27001 and 9001 — evidence packs auditors accept.
- Product-factory-first — new products configured, not coded.
- Integrated across the value chain — broker management, claims, ML pricing and reinsurance under one accountable team.
- Multi-region delivery — Noida, Nairobi, Dubai, London and New York.
- Full IP transfer — code in your Git, infra in your cloud, documented handover.
Where we have delivered
PAS programmes for carriers, MGAs and brokers across India, Kenya, UAE, UK, USA, Canada and Australia, with additional programmes in Nigeria, Tanzania, Uganda, Ghana, Rwanda, Ethiopia, South Africa and Saudi Arabia. Reference deliveries include InsureMe — an aggregator and microinsurance platform in Kenya.
Working with Redian
Send us the current PAS, the lines of business you write and the regulator. A senior insurance architect responds inside one business day with a written first read and a phased proposal. NDAs signed on request. Start at /contact or read our insurance practice and BFSI case studies.
