Modernize insurance operations with integrated technology, data, and operating models to accelerate growth and improve the policyholder, distributor, and carrier experience.

Life, Annuity & Group Benefits Operations

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Overview

As demand surges, carriers are rethinking operations and technology to stay competitive. We accelerate innovation across the Life, Annuity, Group & Retirement carrier and Broker value chain and elevate financial and operational performance by aligning strategic capital deployment, technology transformation, and business optimization. Together, we help you build an operating model that supports top-line growth, boosts agility, and delivers stronger customer and distribution outcomes as markets evolve.


Market trends

94%

of insurance leaders choose efficiency as the main driver of their modernization initiatives

Source https://www.pwc.com/gx/en/industries/financial-services/insurance/global-actuarial-modernization-survey-2025.html
93%

of insurance executives say interconnected risks and accelerating change outpace traditional strategic planning

Source https://www.pwc.com/us/en/industries/financial-services/library/reinventing-insurance.html
78%

of insurance leaders cite a unified data warehouse as highly important for their actuarial function

Source https://www.pwc.com/gx/en/industries/financial-services/insurance/global-actuarial-modernization-survey-2025.html

Capabilities

Integrated operating models built for growth

Siloed teams and handoffs slow execution and blur accountability. From vision to structure, we work with you to build an integrated operating model that clarifies ownership, streamlines workflows, and embeds automation and data-driven decisioning—helping your organization accelerate progress and support innovation.

Purpose-built data exchange, conversion and in-force book management

Managing in-force and closed blocks across fragmented platforms can increase cost and risk. We help you simplify and de-risk partner integrations and large-scale conversions with tailored methods and AI to improve in-force administration. The result is lower cost-to-serve, less disruption, and an operating foundation that supports smarter capital deployment and sustained efficiency.

Execution-ready blueprints and roadmaps for sustained advantage

We set the blueprint for a seamless digital quote-to-claim experience, a unified data platform and an agile product launch engine, then align distribution, operations, technology modernization, and investment priorities around those pillars. For carriers entering new markets, our target operating model design and tech-enabled blueprints can support product launches in as little as 12 months.

Cloud-native, AI-enabled EIS, FAST, and FINEOS deployments

Modernize policy administration with cloud-native architecture built for agility. Supported by 250+ certified practitioners, proven playbooks, and AI-enabled delivery, we help you accelerate EIS, FAST, and FINEOS implementations, reduce risk, and align technology to your business strategy and blueprints. This helps position you to launch new products faster, scale efficiently, and keep pace with evolving customer and regulatory demands.

Intelligent data and analytics activation

Operational and technology barriers often keep data from flowing where it’s needed most—across distribution partners, enrollment, underwriting, and service. We integrate and activate data across your ecosystem with modern architecture, orchestration, and advanced analytics to enable real-time insight, personalization, and better decisioning.


Insights


Contact us

Rob Walker

Insurance EIS Practice Partner, PwC US

Anup Madampath

Partner, PwC US

Sarah Daubenspeck

Principal, PwC Sector Operations Practice Lead, PwC US

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