The industry needs a serious alternative to outdated core systems

The Old Core was the solution. Now, it’s the problem.

“Lots of people are talking about agentic AI as the future, but Federato is doing it now. ”

Guru Vasudeva, Senior Vice President & Chief Information Officer, Nationwide

Federato unlocks a new level of business outcomes for core systems

Legacy Core

AI-NATIVE CORE

Level 1

Legacy Core
Admin only, no AI

Level 2

AI-enabled RPA (robotic process automation)
Automation of repetitive tasks; limited decision-making intelligence.

LEVEL 3

RPA + Copilots + AI-native point solutions
Siloed context limits scope and reliability; no enterprise-wide impact.

AI-NATIVE GATE

Level 4

AI-native core: systems can act independently
Rich context to run complex tasks and make recursively better decisions, with humans in the loop.

Level 5

AI-native core: systems actively manage daily functions
Fully orchestrated agents act as an autonomic nervous system for the business. Systems are self-directed, self-managed, self-learning, with minimal human intervention.

The Old Core just can’t compare

The old way of doing business is over. Our AI-native platform understands your portfolio, gets smarter with every decision, and delivers insights your team can act on to achieve the growth you need.

Old Core way

Lagged reporting & post-mortem analytics

Manual data reconciliation across systems

Static appetite rules

Rigid, rules-based automation

Quotes built manually, no feedback from Claims until months later

First-In, first-out submission handling

New product launches require months of coding

Federato way

Real-time signals that guide decisions

Unified data that flows across the lifecycle

Strategy that adapts in real time

AI that gets smarter with every decision

Underwriters start with a quote. Claims data feeds back into strategy.

Priority given to the right risks

Launch new products in weeks, not months

5.5x

increase in high-appetite bound policies

93%

fewer systems used

3.7x

increase in capacity

What makes Federato different

AI-NATIVE

FLOW OF WORK

COMMAND & CONTROL

INTELLIGENT CONFIGURATION

AI that understands and improves your book

A lot can go sideways between submission and renewal. Federato keeps your strategy intact the whole way through.

Your best thinking, built in

AI brings the full context of your strategy to every decision, and gets smarter over time.

Grow your book with the team you have

AI handles high-volume work so your teams put their focus where it matters.

Decisions you can defend at every level

Every AI decision is explainable, auditable, and traceable to your guidelines with your team in control.

71%

less time spent identifying guidelines

“This is what AI is meant to do; for those repetitive, systematic ways of thinking, we should write algorithms to do that, so that humans can do what they do best; manage portfolios and manage relationships."

Dominic Grimaldi

Business Solutions Lead

Workflows that actually work

Context, clarity, and speed in one place. Your teams have enough to do without fighting their tools.

Make decisions with the full picture

Give every team the context they actually need at the moment they need it. No more acting on incomplete information and hoping for the best.

Less friction, more throughput

Work flows cleanly from submission to renewal without the manual steps and messy handoffs that slow everything down.

Do all your work in one place

Your teams have enough on their plates. Stop making them switch systems, chase information, and do the same thing twice.

93%

reduction in systems used

“Federato gives our underwriters a unified, real-time view of disparate internal and third-party data to consistently evaluate, price, and bind individual accounts."

Michael Foley

President of Commercial Insurance

Strong growth, stronger margins

Use live portfolio signals to make growth and margin calls before outcomes are locked.

Drive intentional top-line growth

Steer premium mix, distribution, and segment performance as new business comes in, not after the fact.

Growth that doesn't eat your margins for lunch

Keep appetite, priorities, and risk thresholds active so growth doesn't come at the cost of earnings.

Built-in accountability

Link goals, execution, and results in one record so the history
is clear and easy to find.

95%

of referrals automated

“We used to print and hand off 50 pages of guidelines to an underwriter. Now, we’ve codified those into Federato. With 30 rules, we automated 95% of our referrals."

Adam Barnett

Chief Executive Officer

System changes at the speed of AI

Knock the sludge out of your system once and for all. Give teams control and watch new products, integrations, and other changes go live without bottlenecks.

Get speed to market

Invest in growth, not keeping legacy systems running.

Pivot fearlessly

Make changes with full visibility and version control so updates don’t create downstream surprises.

Execute predictably

Align data, rules, and workflows on one shared model so behavior stays consistent as volume grows.

8 weeks

average time to implement a new program

"Configuring things in Federato is so easy that you can just log in, add a couple of rules, see how they impact the business, log out, come back, log a few more."

Adam Barnett

CEO, HDVI

Transformation that pays for itself

We combine an AI-native core with deep expertise to get you live fast, eliminate costly third-party help, and experience real business impact in weeks.

Go live in weeks, not years

Launch in as little as 12-16 weeks and expand into new lines of business in as few as 8 weeks.

Support that scales with you

Get a dedicated partner and responsive support that keeps your team moving and adapts as your business grows.

Ditch the SI cost burden

No more watching SI costs balloon past what you paid for the platform in the first place.

Why insurers can’t trust the Old Core

This guide gives you a management-ready framework to explain why the Old Core can’t be trusted anymore, and why transforming to an AI-native insurance platform is the solution.

Drive better business outcomes across the full policy lifecycle

Frequently asked questions

How is Federato different from legacy insurance core systems?

Federato is AI-native from the ground up, meaning intelligence is embedded across the full policy lifecycle rather than bolted on as an afterthought. The result is a platform that actively helps insurers make better decisions, not just record them.

How long does it take to implement Federato?

Our first implementation typically takes 12-16 weeks, with each successive line of business averaging around 8 weeks after that. Our team works closely with your organization to configure workflows, connect data sources, and get teams productive quickly.

What is an AI-native insurance platform?

Most insurance platforms have added AI on top of systems that were never designed for it, meaning the models are generic, the data pipelines are an afterthought, and the outputs sit outside the workflows where your team actually makes decisions. Federato was built from day one around AI, meaning the models are trained on insurance-specific data, embedded directly into your workflows, and get smarter with every policy written. The difference shows up in outcomes: AI that actually reflects how your book performs, not generic models your underwriters learn to ignore.

Federato is the only AI-native core system that drives better business outcomes.

What is agentic AI for insurance?

Most AI tools answer a question when you ask one. Agentic AI goes further: it can work through a sequence of tasks on its own, the way a skilled analyst would. In insurance, that means AI that can pull data, flag risks, check against your appetite, track policy changes, and surface recommendations across the entire policy lifecycle, from new submissions through to renewal. Your team stays in control of every decision, but the AI has already done the legwork.

What results do Federato customers see?

Federato transforms how insurance work gets done to drive better business outcomes. Quote more, win more, and stay aligned to your risk appetite by dramatically reducing quote and bind cycle times and simultaneously reducing costly technical debt. These outcomes have a material impact on board-level metrics like combined ratio, AM Best credit rating, return on equity, speed to market in months, not years.