Admin Intelligence: The evolution of policy intelligence

The policy administration system (PAS) has long been the unsung workhorse of the insurance industry. Reliable, efficient and quietly essential, it has helped keep the wheels of policy processing, record keeping and renewals turning for many decades. But today's insurers require more than just reliable processing, they need actionable intelligence!

Around the world, the forces reshaping insurance are accelerating, rapidly changing customer expectations, climate instability, the rise of embedded cover in digital ecosystems and innovations in mobility and data. The challenge for insurers lies in anticipating these shifts and then adapting to them. That's where policy intelligence comes in.

The shift from processing to predicting

Modern insurers are reimagining what their core systems should do. Rather than simply store data, intelligent PAS platforms must interpret that data, learn from it and use it to improve every stage of the insurance lifecycle.

These platforms will:

• Detect and pre-empt customer churn using AI
• Set underwriting and pricing trends based on real-time interactions
• Integrate seamlessly with mobile and IoT data for dynamic risk assessment
• Power proactive distribution and claims strategies
• Support personalised product development for underserved markets

"The time has come for policy administration as we once knew it to evolve," says Sucheta Mohan, SSP's Director of Global Product Management. "The future lies in platforms that learn, adapt and guide insurers in real time. It's about evolving together as we replace old tech with new."

An evolution, not a switch

At SSP, we see the move to intelligence as a phased journey. Our first step was rebuilding our PAS on a modern 64-bit architecture; a platform capable of scaling across diverse insurance markets while retaining the rich functionality built over four decades.

We're now well into Phase 2: embedding analytics, AI and ecosystem integration that shift insurers from static operations to adaptive, intelligent ones. There is no need to rip and replace. Rather, our clients can build on what works while enabling smarter, future-facing capabilities.

With intelligent PAS platforms, insurers can:

• Embed insurance into the digital journeys customers already use-such as retail, e-commerce or banking apps
• Build climate resilience into pricing models using real-time environmental data
• Serve previously excluded segments with tailored micro-products and digital distribution

McKinsey's Global Insurance Report 2025 found that 60% of insurer performance now stems from operational excellence rather than geographic footprint. That's a compelling mandate for insurers to focus on how they operate and a strong endorsement of the policy intelligence model.

Technology alone is not enough

"Buying a modern PAS won't transform a business overnight," says Sucheta. "True transformation requires cultural change, a data-first mindset and a collaborative approach with trusted technology partners."

At SSP, our commitment goes beyond software. We work alongside insurers to:

• Establish real-time feedback between platforms and customer-facing systems
• Deploy AI copilots to reduce fraud and streamline processes
• Navigate data privacy and regulatory requirements with confidence
• Prepare leadership and teams for a predictive, intelligence-led future

A call to action

The foundations have been laid. The tools exist. The opportunities are here. What matters now is how quickly insurers act.

"Those who rethink their core systems and embrace intelligent policy platforms will lead the next wave of growth across the global insurance sector," says Sucheta.

At SSP, we're proud to be part of that journey, walking alongside our clients to help them shift from admin to advantage, and from policy processing to policy intelligence.

Let's shape the future together.