Guidewire consumes time and budget, with limited innovation. Federato replaces that drag with AI-driven speed across the full policy lifecycle.
Guidewire's multi-year implementations delay growth. Federato's AI-native platform spans the full policy lifecycle and goes live in weeks, built for the speed and agility Everest demands.
Built over decades of M&A and held together by teams of consultants, Guidewire has become a slow-moving liability that insurers can’t afford.
It’s too patched together to keep up with change, and too brittle to support modern innovation.
Federato is the first real alternative: the only AI-native platform that spans the full policy lifecycle, with capabilities that are built in to your workflows, not bolted on.
Before you sign a contract that locks you into the past, you owe it to your future to consider Federato.
Built over decades of M&A and held together by teams of consultants, Guidewire has become a slow-moving liability that insurers can’t afford.
It's too patched together to keep up with change, too brittle to support
modern innovation, and too slow to execute on Everest's strategic priorities.
Federato is the first real alternative: the only AI-native platform that spans the full policy lifecycle, with capabilities that are built in to your workflows, not bolted on.
Before you sign a contract that locks you into the past, you owe it to
Everest's future to consider Federato.
AI was never part of Guidewire’s design. It’s been bolted on through siloed tools that don’t work together.
Built for batch processing and static reporting, it can’t ingest submissions automatically, generate real-time quotes, or learn from past outcomes.
Federato’s AI-native platform supports the full policy lifecycle as a unified foundation. We build real-time intelligence directly into the workflows where decisions happen, driving faster execution, sharper prioritization, and tighter alignment between strategy and action across the full policy lifecycle.
Built AI-first for insurance decisioning, with real-time intelligence trained on portfolio behavior and risk signals
AI acts across the full policy lifecycle, driving agentic execution and freeing teams to focus on nuanced decisions and relationships
Instant visibility into strategy drift, concentration, and appetite fit
No-code workflows adapt to evolving strategy
AI-native with cloud-based architecture, with decision traces and data provenance
Live in weeks, no SI required for faster ROI and real-time portfolio visibility
Clear pricing model with no hidden integration or SI fees
Early-stage AI bolted on to a transactional system of record. Slower releases, limited by outdated architecture
Insights only, with execution remaining manual and rules-based
Static reports, lagging insights, and updates that require reconfigurations and testing
Slow change cycles tied to heavy governance and release processes
Traditional governance models and complex cloud retrofits
18-36+ months for implementation; 30+ months and SI dependency for multi-line cloud migrations
Complex pricing across licenses, hosting, upgrades, and long-term SI contracts
Guidewire was the safe choice 20 years ago. Today, it’s a slow, expensive drag on innovation. Insurers are locked into multi-year cloud migrations, costly SI dependencies, and rigid workflows that force teams to work the Guidewire way, not their own.
Federato is the alternative. Unlike Guidewire, Federato is live in months, spans the full policy lifecycle, and isn’t dependent on SIs.
Federato provides a clear path to better business outcomes. We’ll help you move quickly and show proof at every step. Need buy-in? We can help you make a data-driven case to your CEO or board. Once they see the numbers, most change their minds.
Guidewire’s AI is limited by a data architecture built for 2001, not for AI.
Guidewire’s AI capabilities are sharply and fundamentally limited because its underlying data architecture is rooted in the world as it was in 2001. It was never built with AI in mind. Any AI (and especially agentic AI) is only as intelligent as the data it can access.
Federato’s AI solutions span the full policy lifecycle. With more context and total connection, we deliver seamless and compelling experiences. The Federato difference is that intelligence is built into everything we do, not bolted on via yet another acquisition.
AI point solutions will deliver less than you expect, because Guidewire’s underlying data architecture is too patched together after decades of growth by acquisition. You won’t get the AI progress you hoped for, and worse, you’ll keep your company locked into a legacy system that requires expensive armies of consultants to keep it running, and handcuffs you into a very slow and outdated way of working.
Federato goes live in weeks, not years. Most programs are up and running in 8 to 12 weeks with no dependency on systems integrators or long change cycles.
Guidewire implementations often take 18 to 36 months or longer for multi-line deployments. Even minor changes can require reconfigurations, testing, and outside help.
With Federato, you get speed without sacrifice. The platform layers cleanly onto existing workflows, adapts as your business evolves, and delivers value from day one.
With old core systems like Guidewire, less than 25% of bound risk aligns with strategy. And by the time you spot strategy drift, it’s too late to act. With Federato, you can course-correct in real time. Our agentic AI delivers complete quotes and deep analysis to the teams in seconds. You get a unified view of the entire workflow, with real-time visibility into appetite shifts and goal progress.
In the age of AI, insurance is a zero-sum game. If you’re not writing the best risks, someone else is, and you’re left holding what they passed on. McKinsey research shows that AI leaders in insurance have delivered over six times the total shareholder return of laggards in the last five years. In a market where margin is everything, that’s not a gap. It’s a warning.
It comes down to age. Guidewire was founded in 2001 and built through acquisitions. The result is cloud migrations that drag on, soaring consultant costs, and a system that’s brittle and inflexible. Even small updates, like adjusting an endorsement or adding a product line, can turn into months of effort and intolerable spend.
Federato goes live in months, not years, with no SI dependency, and is already delivering value across the full policy lifecycle.
