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How Insurers are accelerating Digital Transformation with Low Code

Artur Gleyberman

Low-code platforms are becoming steadily more mature. This technology can help insurance companies quickly implement digital projects – and upgrade their existing IT infrastructure.

In the Enterprise sector, the top dogs among the low-code platforms are Mendix, OutSystems and Appian. They address customer needs where standard software solutions are too rigid and custom development is too costly. 

Insight in brief

  • Low-code platforms address customer needs in situations where standard software solutions are too rigid and customised development would be too costly.
  • The technology unburdens IT departments and enables business departments to help shape the development of applications.
  • Thanks to adaptable connectivity options, entire IT systems can also be modernised with Low Code.

With these advanced digital toolkits, companies can map IT processes along the entire value-added chain. They can be easily integrated into existing system landscapes and flexibly extended through open application interfaces (APIs). In its X4 suite, the German software business SoftProject also relies on a low-code-enabled solution and even provides BiPRO-compliant interfaces for the insurance industry.

Some pioneer insurers have therefore already discovered for themselves the potential of the new low-code technology and have made Low Code a standard component of their armoury for digital transformation. The transformation can be achieved more quickly because low-code developments place less strain on in-house IT departments and can surmount weaknesses in legacy systems. The business units with low-code skills can experiment with new solutions and respond agilely to market feedback without having to wait in a queue for IT resources. At the same time, valuable IT resources can be focused on more demanding tasks that still require custom software development.

A T2M booster for new products and services

The first examples are proving the effectiveness of this procedure. The Zurich insurance company used Low Code to develop a ready-made app for reporting motor vehicle accidents, and it took just a few weeks. The First Notice of Loss (FNOL) application helps company-car users report an accident to their employer and insurance company quickly and easily. The app uses native smartphone features such as geolocation and the camera to collect relevant data from the accident scene. From the initial idea to the first prototype, it took just 90 minutes thanks to Low Code.

Using a similar process, AXA built a broker portal within three months, thanks to a low-code platform. Using conventional methods, the development would have taken twice as long. The solution offers an intuitive and highly functional front-end that works on both mobile devices and desktop environments. Dialog, the Generali group's broker insurer, now also uses a low-code-enabled solution for paperless customer communication. The application is capable of integrating third-party systems into its own business processes and converting data into the required formats in accordance with BiPRO norms or German Insurance Association standards. Euler Hermes was even awarded the insurance industry's 2020 Digital Lighthouse for a liquidity simulator built with low code within one week.

Low-code platforms for modernising IT systems

The flexible connectivity options not only make Low Code attractive for rapid new development, they also allow existing IT infrastructures to be modernised without having to be redesigned from the ground up. UK insurer AVIVA decided against a long and risky renovation of its core systems and found a solution using a combination of an RPA tool, an e-document generator and a low-code platform. So convinced is Aviva of the long-term potential of this technology that the company intends to use it on a lasting basis for work on process optimisation. CNA, a property and accident insurer based in the U.S., is using Low Code to modernise and simplify underwriting processes worldwide. The solution connects hundreds of insurance business partners who can sign and manage locally created policies around the world in real time. Munich Re is using a low-code platform to build a new solution to support underwriting. The application increases consistency as well as transparency throughout the entire decision-making process and reduces the complexity of approvals.

These use cases demonstrate that Low Code is of interest to insurers in a number of ways – both for far-reaching process improvement as well as rapid development. Armed with low-code tools and an agile mindset, business units can raise insurers' digital productivity and help them accelerate the pace of digital transformation.


Artur Gleyberman

Business Development Manager
Contact person for Germany

Artur joined Zühlke as a Business Developer in January 2020 with a focus on insurance and banking. Artur has over seven years of work experience in B2B business development for a leading insurer. There he learned the strengths and challenges of the insurance business from inside and from direct client feedback. Before starting at Zühlke, he completed an MBA at the Frankfurt School and has become passionate about innovation, technology, and entrepreneurship. As part of his study project, he worked with AWS for Software AG and developed with his team a strategic plan for the market launch of the IoT platform 'Cumulocity'.