Insurance Insurance

Autonomy Engineered for Insurance

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AI-intrinsic. Outcome-driven. Enterprise proven.

Talk to our leaders

Accelerating Guardian Life's AI-powered modernization through AI Force and agentic capabilities.

Acquired and scaled Guardian's Global Capability Center, advancing AI-led innovation, engineering and operational excellence.

Accelerated AI-intrinsic transformation for The Standard through core modernization and digital-first experiences using AI Force.

Modernizing insurers' claims operations with Neutrinos through AI-intrinsic orchestration and automation.

Transformed a Fortune 200 insurer's technology ecosystem and IT operations through large-scale modernization.

Deployed a GenAI-powered contact center solution for a leading US life and annuity carrier.

Driving operational excellence and transformation at scale for a global reinsurance and P&C carrier.

Modernized claims for a UK-based general insurance company with Agentic AI, automating intake, validation and case handling.

Enabled a Singapore-based multinational insurer by embracing a cloud-first core built for speed and resilience.

Delivered a unified Salesforce platform for a global insurer, simplifying operations and enhancing customer experiences.

 

Problems We Solve

We help you move faster, operate smarter and deliver the kind of insurance your customers expect today.

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UK-based general insurance company

Agentic AI transformed manual, document-heavy claims processes into an intelligent workflow, improving efficiency, consistency and scalability across the claims lifecycle. Read the case study

British multinational insurance company

Moved claims, policy and underwriting operations onto a composable industry cloud, cutting turnaround time and errors while building resilience across the book. Read the case study

US-based multiline insurer

A large-scale technology and IT transformation enhanced speed to market, streamlined delivery and modernized enterprise operations. Read the case study

Southeast Asia's #2 financial services group

A cloud-first core transformation enhanced speed and resilience, modernizing legacy systems while safeguarding business-critical operations. Read the case study

Major European insurance company

A unified cloud data ecosystem improved actuarial insights and enabled compliant, self-service projections. Read the case study

America’s leading financial services

An automated compliance framework digitized document approvals and e-signatures, strengthening auditability, reducing risk and enabling faster policyholder transactions. Read the case study

Our Solutions

Unlock speed, scale and resilience by embedding intelligence and engineering autonomy across platforms and operations.

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Claims Subrogation as a Service

AI-enabled subrogation solution that identifies recovery opportunities, automates case triage, and manages the end-to-end recovery lifecycle through seamless integration with claims and arbitration platforms.

Commercial Underwriting Workbench

AI-intrinsic platform-based solution addressing the submission intake, triage, risk assessment and pricing for commercial/specialty insurance.

Core Insurance Suite (Policy, Billing, Claims, ContactCenter)

A comprehensive suite that modernizes policy, billing and claims operations through automation, configurable workflows, embedded analytics and cloud native capabilities.

Core Policy Admin System for Individual LOBs

A configurable, cloud-ready core administration platform for life, annuity and health products covering the complete policy lifecycle from new business to claims.

Correspondence Modernization

An enterprise correspondence solution across the Insurance lifecycle supports various events and packages to engage all stakeholders.

Distribution Management

Configurable and modular solution for end-to-end distribution management covering hierarchy, performance, compensation and financial management needs.

Group Insurance Core System

A modern group insurance administration platform supporting policy, billing, claims, benefits, provider and employer management on a unified architecture.

Loss Control

An AI-powered loss control and risk engineering platform that streamlines inspections, risk assessments and remediation tracking through intelligent workflows, analytics and collaboration capabilities.

Pricing and Rating

Platform that externalizes rating logic, accelerates product and rate changes, and leverages advanced analytics and machine learning for pricing optimization.

Point of Sale

A digital sales and quote-to-application platform enabling omnichannel quote creation, illustration, e-application and underwriting integration.

Our Capabilities

We bring together the core capabilities, each designed to address critical priorities such as operational efficiency, regulatory compliance, scalability and customer experience.

Applications

Applications

Autonomous

Autonomous

Business Process Operations

Business Process Operations

Engineering

Engineering

Infrastructure

Infrastructure

AI

 

Problems we solve

Fragmented decision-making across systems
Manual risk and compliance workflows
Limited visibility into fraud signals and customer behavior

Solutions we deliver

Embed AI across decisions, risk and customer journeys
Automate compliance, fraud and operational workflows
Enable unified, real-time insights across data and platforms

Impact you will see

Faster, more accurate decision-making
Improved compliance confidence and risk visibility
More personalized, data-driven customer experiences
Accelerating AI workplace transformation for a global financial organization

Accelerating AI workplace transformation for a global financial organization

A global financial services and insurance leader operating in over 50 countries partnered with HCLTech, Intel and Lenovo to modernize its digital workplace.

Applications

 

Problems we solve

Legacy system sprawl across core and digital platforms
Slow-release cycles impacting innovation and agility
Inconsistent digital journeys across customer touchpoints

Solutions we deliver

Core platform modernization across customer journeys
Simplify architecture with platform transformation
Scalable, cloud-ready application ecosystems

Impact you will see

Faster time-to-market and release cycles
Scalable, resilient application platforms
More consistent, seamless customer journeys
Future-proofing financial services through application modernization

Future-proofing financial services through application modernization

HCLTech helped move a global federal credit union away from legacy applications and onto Salesforce

Autonomous

 

Problems we solve

Fragmented decision-making across systems
Manual operations, risk and compliance
Siloed data and legacy technology

Solutions we deliver

Embed AI agents across business workflows
Automate operations with governed AI
Enable unified, real-time enterprise intelligence

Impact you will see

Faster, autonomous decision-making
Greater productivity and trusted compliance
Personalized experiences with operational resilience
Modernizing insurance claim management with HCLTech Agentic mainframe solution

Modernizing insurance claim management with HCLTech Agentic mainframe solution

HCLTech leveraged multiple AWS services to accelerate the migration program for a major UK-based general insurance company.

Business Process Operations

 

Problems we solve

Siloed operations delaying decisions
Manual workflows increasing errors and risk
Legacy models limiting scale and agility

Solutions we deliver

AI-led automation across workflows
Standardized, compliant operations
Digital, scalable operating models

Impact you will see

Faster processing and better accuracy
Lower costs with stronger compliance
Scalable, resilient, high-performing operations
Streamlining insurance operations with strategic portfolio management

Streamlining insurance operations with strategic portfolio management

By standardizing processes and integrating systems, we reduced costs and improved global collaboration

Cloud

 

Problems we solve

Legacy infrastructure limiting scalability and flexibility
Slow modernization impacting innovation speed
Migration complexity and regulatory risks

Solutions we deliver

Cloud native platforms for scale and speed
Secure, compliant migration across core and data systems
Scalable architectures for real-time operations

Impact you will see

Improved agility and faster innovation cycles
Reduced infrastructure and operational costs
Stronger resilience across financial operations
Accelerating financial services cloud transformation with HCLTech and Google Cloud

Accelerating financial services cloud transformation with HCLTech and Google Cloud

A leading financial services provider in Northern Europe partnered with HCLTech and Google Cloud to modernize its on-prem large-scale VMware infrastructure.

Engineering

 

Problems we solve

Legacy applications slowing product innovation
Fragmented engineering across cloud, data and platforms
Slow release cycles impacting customer experience

Solutions we deliver

Cloud native application and platform engineering
AI-led software lifecycle automation
Integrated data, application and platform architectures

Impact you will see

Faster product innovation and releases
Scalable, modern digital platforms
Seamless, experience-led customer journeys
Transforming quality engineering with GenAI on AWS

Transforming quality engineering with GenAI on AWS

HCLTech helped a leading bank in reducing testing time, enhancing efficiency and accelerating time to market

Infrastructure

 

Problems we solve

Legacy infrastructure limiting scale and resilience
Fragmented cloud, network and workplace environments
Reactive operations impacting uptime and experience

Solutions we deliver

Hybrid cloud infrastructure across environments
AI-led operations with automation and observability
Secure digital workplace and network platforms

Impact you will see

Resilient, always-on banking infrastructure
Faster scaling across digital channels
Seamless customer and employee experiences
Modernizing infrastructure resilience for a leading US financial company

Modernizing infrastructure resilience for a leading US financial company

A leading US financial services company strengthened its core infrastructure, boosting resilience, security and availability through modernization, automation and proactive operations.

Highlights

Analyst Report
HCLTech positioned as a Leader and Star Performer in Everest Group’s Guidewire Services PEAK Matrix® Assessment 2026

HCLTech has been recognized as a Leader and Star Performer in Everest Group’s Guidewire Services PEAK Matrix® Assessment 2026, which evaluated 31 leading Guidewire service providers.

Blogs
Streamlining insurance intake with Amazon Nova Pro and Amazon Bedrock Agents

Streamline insurance form processing with HCLTech's Intelligent Insurance Intake, leveraging AWS and AI for efficient, accurate document handling and improved customer satisfaction.

Whitepaper
Tech augmented underwriter: Human in the loop by design

Empowering underwriters to lead as strategic risk architects in an AI-intrinsic era

FS Insurance Service Insurance