The Old Core can’t. Federato can.
The more you invest in the Old Core, the more it costs you. Before you renew a multi-million dollar contract that locks you into the past, you owe it to your future to consider Federato.
The risks of doubling down on the Old Core get higher daily
Built over decades of M&A and held together by teams of consultants, the Old Core 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 renew a multi-million dollar contract that locks you into the past, you owe it to your future to consider Federato.
The Old Core was built for a world that no longer exists.
These numbers show what that costs you.
AI was never part of the Old Core's design. It’s been bolted on as an afterthought 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.
1 in 4 submissions fall outside portfolio appetite
26% of time is wasted on submissions that don’t convert
73% of teams struggle with portfolio visibility
56% of teams rely on static guidelines
Federato delivers outcomes the Old Core can’t
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.
5.5x more high-appetite bound policies
89% decrease in time to quote
30% lift in high appetite premiums
11% increased hit ratio
Real-time portfolio visibility
Federato vs. Old Core
Experience comparison
AI native
Agentic workflows
Portfolio management
Flexibility
Time to value
Total cost
Built AI-first for insurance decisioning, with real-time intelligence trained on portfolio behavior
AI acts across the full policy lifecycle, driving agentic execution and freeing teams
Instant visibility into strategy drift, concentration, and appetite fit
No-code workflows adapt to evolving strategy
Launch your first LOB in 17 weeks, and expand even faster. With reduced systems overhead and no SI costs, Federato delivers efficiencies and better business outcomes within a year of going live
Clear pricing model with no hidden integration or SI fees
Old Core
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, updates require reconfigurations
Slow change cycles tied to heavy governance and release processes
18–36+ months; minimum 150,000+ implementation labour hours; 30+ months and SI dependency for multi-line cloud migrations
Complex pricing across licenses, hosting, upgrades, and long-term SI contracts; typically 20-25% DWP, all-in
Don't take our word for it. Here's what Old Core users say.
Real review
"We spent years and millions of dollars building a custom Guidewire product. It’s an absolute piece of @#%! It’s basically already outdated by the time they got it finished.”
Real review
"Guidewire…where people with too much money think ‘we won’t get sacked for buying the biggest name’...then get sacked for a horrible deployment that goes overtime and budget. We’ll pray for you.”
Real review
"The worst system I have ever worked with…so confusing and don’t even get me started on their billing screens."
Real review
"It’s hard to find what you need. You think it’s in one place, but it’s really in another. And when you think you’ve figured it out, you are lost all over again."
You've seen what the Old Core can't do. Now see what Federato can.
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Frequently asked questions
01
Why are insurers replacing the Old Core with Federato?
The Old Core 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 Old Core way, not their own.
Federato is the alternative. Unlike the Old Core, Federato is live in months, spans the full policy lifecycle, and isn’t dependent on SIs.
02
I can’t rip and replace. What are my options?
You don’t need to rip and replace to make progress. Federato offers a proven path to better business outcomes. We’ll show measurable results at every step, and help you make a data-backed case to your CEO or board. Once they see the numbers, most change their minds.
03
Why is Federato’s built-in AI better than the Old Core's bolt-on AI?
The Old Core’s AI is limited by a data architecture built for 2001.
The Old Core’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, and especially not for agentic AI.
AI is only as intelligent as the data and context it can access.
Federato’s AI is built in, not bolted on, across the full policy lifecycle, giving you context-aware decisioning that becomes more valuable over time.
04
Why not just add AI point solutions to Old Core tech?
AI point solutions won’t fix a broken foundation. The Old Core’s 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 consultants to maintain, and handcuffs you into a very slow and outdated way of working.
05
How fast can Federato be implemented compared to the Old Core?
Federato goes live in 8 to 12 weeks with no dependency on systems integrators or long change cycles.
Old Core implementations often take 18 to 36 months or longer for multi-line deployments. Even minor changes can require reconfiguration, testing, and outside help.
With Federato, you get speed without sacrificing discipline with an AI-native foundation that has better decisioning built in, not bolted on.
06
How does Federato help carriers detect and prevent portfolio drift?
With old core systems like the Old Core, 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.
07
Why is the total cost of ownership of the Old Core so high?
It comes down to age. The Old Core 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 runaway spend.
Federato goes live in months, not years, spans the full policy lifecycle, and isn’t dependent on SIs.
08
What's the cost if I wait?
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.
