Execute underwriting strategy at market speed

No. Coherent extends your current technology stack without requiring rip-and-replace modernization.

It sits as an agility layer above policy administration systems, rating engines, and underwriting workbenches—separating business logic from core systems so underwriting strategy can evolve independently of IT infrastructure. Whether you use Duck Creek, Guidewire, Majesco, or legacy systems, Coherent connects through standard REST APIs to deploy pricing rules, underwriting guidelines, and product logic across all platforms simultaneously.

This approach preserves existing technology investments while eliminating the bottleneck where strategic decisions wait months for system changes. IT teams maintain architectural standards while business teams gain execution speed.

Yes. Coherent makes underwriting logic fully observable and testable before deployment.

Underwriters can run scenario analyses, stress-test rate changes against portfolio data, and model the impact of rule adjustments across different risk segments—all before committing changes to production. Unlike black-box systems where pricing behavior only becomes clear after claims emerge, Coherent provides a clear, current view of how rates, rules, and assumptions respond as risk changes.

This visibility enables proactive portfolio steering: underwriters can identify accumulation risks, test responses to tariff shifts or sanctions, and adjust for catastrophe model updates with confidence—knowing exactly how changes will perform across all channels.

Coherent creates a shared platform where actuaries build models in Excel, underwriters deploy them to production, and IT maintains governance—without hand-offs, translation errors, or competing for development resources.

• Actuaries publish pricing logic directly from spreadsheets without learning Python or waiting on developers.
• Underwriters access current, approved models across all channels with built-in version control and audit trails.
• IT teams maintain architectural standards, security, and compliance controls without becoming the bottleneck for every business logic change.

This separation of concerns eliminates the friction where strategic decisions die in translation: actuarial intent reaches underwriting decisions exactly as designed, changes deploy simultaneously across all systems, and everyone operates from a single source of truth.

The result is faster execution, fewer errors, and alignment across the entire product development lifecycle.

Leading carriers use Coherent to compress product launch cycles from quarters to weeks, respond to market shifts in days instead of months, and protect loss ratios in real time rather than retrospectively.

The competitive edge comes from executing underwriting strategy at market speed: launching new products before competitors capture market share, adjusting pricing while profitable risks are still available, and detecting drift as patterns emerge—not after quarter close.

Unlike traditional underwriting infrastructure that forces strategic decisions to wait on IT capacity, Coherent enables business-led execution: actuarial models deploy the same day they're approved, rate changes go live across all channels in hours, and strategic pivots happen without release-cycle delays.

This execution speed translates directly to market position—capturing opportunities competitors miss while protecting profitability others discover too late.

Coherent unifies rating logic and underwriting rules into a single, connected system without replacing Excel or existing workflows. 

The core problem many carriers face is fragmentation: actuarial teams maintain rating models in Excel while underwriting rules live in separate platforms requiring IT involvement for updates. This creates delayed market response, decision inconsistency, and manual reconciliation overhead. 

Coherent turns Excel-based models into secure APIs that automatically flow across all connected systems. Actuaries update rating structures and underwriters modify eligibility rules in real time—both working from a single source of truth. The platform acts as a centralized decision engine, routing rating and underwriting decisions dynamically based on state, product, and effective date. This eliminates redundant integrations, reduces IT maintenance, and accelerates product launches.

Unlike modernization initiatives that add complexity, Coherent preserves Excel's flexibility while delivering enterprise-grade automation, governance, and scalability.