The Insurance Operating Platform

Everything an insurer, investment manager or administrator needs. Deployed. Already integrated.

Launch in months
De-risk modernisation
Take back control
Low-code UI, BPM, integration and Core

Policy administration, process, integration, customer engagement, content and data, assembled into one composable platform and run for you as a service.

Select a layer to explore it

3–6 months

From a working demonstration to a first product in production

>50% lower

Implementation cost, from pre-built products, processes and integrations

~⅓ lower

Five-year cost of ownership compared with building and running it yourself

20+ years

Spindle PAS product heritage, in production on four continents, at any level of product complexity

Before we talk about Spindle

Is your core system quietly deciding your business strategy?

0of 9 signs

Tick the ones you recognise.

Every new product is an IT project, or worse, an upgrade.Months of build, test and release before the market sees it.

No-one knows how some of the older products work.Rules nobody dares touch, written by people who have since left.

Hundreds of plans, most of them near-identical.Copying a product was always cheaper than changing one.

Your vendor wants to rationalise your products to lower implementation cost.But every plan you sold is a promise whose terms must be honoured. They need managing more efficiently, not taking away.

A price change waits for IT.A rate tweak needs a project number and a quarter.

Channels are hard-wired to the core.Every new portal, partner or bank is another custom integration.

Migration keeps being postponed.Every option looks riskier than staying put.

The vendor's modern version is actually the old system with some new workflow and screens.Same rigidity, same code-bound products, a new licence.

The vendor's workflow, integration and portals are just not good enough.So you buy more capability around the core and start another cycle of technical debt.

A platform, not a system

The problem is architectural, so the solution has to be too.

In a traditional PAS, process, rules and channels live inside the core, so every change is a code change. Spindle separates them: the core records and calculates, processes move to a layer the business controls, channels become replaceable and everything connects through one governed integration layer.

A new PAS on its own doesn't liberate the business. Only the right architecture, with the right PAS at its core, can.

One system decides your process, your channels and your pace.

See the five shifts

From first quote to final payout

One platform across the whole value chain.

Every step runs on the same customer record, the same product model and the same governed process layer.

The architecture

One platform, layered, composable, API first, pre-integrated.

Adopt the full platform, or start with the components you need and add the rest later. Every layer is configured in low code and connected through Spindle Integration.

Start where you are

Four ways to start, one platform direction.

Most large insurers are on two of these journeys at once. The platform underneath is the same.

Launch

A new insurer, line or embedded proposition, live within months.

Core Flow+

Scale

New lines, countries and partners on one core instance, without new systems.

Core Flow→Core Flow+

Transform

Replace a legacy core wave by wave, with old and new running side by side.

Core+orCore Flow→Core Flow+

Digitise

Modern process, integration and engagement around the core you already have.

Engagement+

Product lines

Every line of business on one core instance.

Life, savings and investments, property and casualty, group risk and retirement, annuities, health, credit and bancassurance, Takaful, niche products and product aggregation. Multi-country, multi-company, multi-currency and multi-language.

Consolidation is the point: one product model, one customer record, one platform to run.

See every product line

AI at every layer

AI put to work where the work happens, operationalised in your business.

Use Spindle's built-in AI, your own models or external ones. Models can change over time without rewriting a single process, and the AI logic and models you build remain your intellectual property.

Built-inAI services ready in the platform

Your ownModels you have trained and govern

ExternalAny provider, swapped when you choose

How AI runs on Spindle

Human oversight wherever you choose

De-risking modernisation

Move the book wave by wave. Watch the risk stay bounded.

We first stand up our full stack, then integrate with your legacy, enabling our channels to keep using the same APIs while each product is re-pointed from legacy to Spindle PAS, and the cost curve follows the migration.

Seven reasons it is built for this

Pricing

One subscription. No separate licence, cloud, support or upgrade line items.

Delivered as true SaaS: Spindle runs the platform and its technology lifecycle. Five composable options, from the policy engine on its own to the full platform, including Engagement+ for insurers digitising around their existing PAS.

Find the right option

Market focus

Built for markets where budgets are tight and change is fast.

Scarce specialist skills, uneven connectivity, fast-moving regulation and high product diversity, from micro-insurance to group retirement.

Priority markets: Middle East, Africa and Asia-PacificEstablished markets: USA and EuropeOther markets

Johannesburg

Spindle hub and delivery team, South Africa.

Mauritius

Spindle Ltd, serving Africa and the Middle East.

Singapore

Spindle APAC Pte. Ltd., serving Asia-Pacific.

See it working on your products.

A working demonstration within weeks; a defined first product in production within three to six months.