{"id":854556,"date":"2024-06-24T10:23:26","date_gmt":"2024-06-24T10:23:26","guid":{"rendered":"https:\/\/www.capgemini.com\/dk-en\/?post_type=client-story&#038;p=854556"},"modified":"2025-03-19T08:36:19","modified_gmt":"2025-03-19T08:36:19","slug":"a-leading-insurer-grows-its-customer-base-by-investing-in-its-underwriters","status":"publish","type":"client-story","link":"https:\/\/www.capgemini.com\/dk-en\/news\/client-stories\/a-leading-insurer-grows-its-customer-base-by-investing-in-its-underwriters\/","title":{"rendered":"A leading insurer grows its customer base by investing in its underwriters"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/06\/Leading-insurer-client-story-web-page-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Client story<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">A leading insurer grows its customer base by investing in its underwriters<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/sites\/7\/2024\/09\/Client-Story_final_June-20-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download pdf<\/span><span class=\"type\">549 KB  pdf<\/span><\/a><\/div><\/div><\/div><div class=\"infoWrapper \"><div class=\"row\"><div class=\"col-md-4\"><span class=\"fieldName\">Client: A leading international insurer<\/span><\/div><div class=\"col-md-4\"><span class=\"fieldName\">Region: Europe, Middle East, Africa (EMEA)<\/span><\/div><div class=\"col-md-4\"><span class=\"fieldName\">Industry: Insurance<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/dk-en\/news\/client-stories\/a-leading-insurer-grows-its-customer-base-by-investing-in-its-underwriters\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/dk-en\/news\/client-stories\/a-leading-insurer-grows-its-customer-base-by-investing-in-its-underwriters\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><h2 class=\"intro-para-title\">Shorter time-to-market for more personalized product offerings thanks to a modular platform<\/h2><p class=\"intro-para-content\"><strong>Client Challenge:<\/strong> The insurer wanted to differentiate its services and win market share by quickly and accurately developing tailored products for lower and mid-market businesses.<br><strong>Solution:<\/strong> The company engaged ÎÚÑ»´«Ã½ to empower its underwriters in tailoring and offering personalized products faster with a modular low-code\/no-code platform.<br><strong>Benefits:<\/strong><\/p><ul class=\"box-list\"><li>Enabled more personalized product offerings, while reducing the risk of errors and delays<\/li><li>Reduced time-to-market for new product launches from 28 weeks to just 10<\/li><li>Improved process efficiency by providing self-service to brokers and underwriters<\/li><\/ul><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-seeking-a-new-strategy-for-personalized-products\">Seeking a new strategy for personalized products<\/h2>\n\n\n\n<p>A leading insurer specializing in property &amp; casualty, life, and health insurance sought a way to personalize its commercial and specialty line product offerings in the mid-market and small and medium enterprise (SME) market segment to maintain competitive differentiation. Originally incorporated in Europe and now based in the US, the company boasts over 200 distinct commercial insurance and reinsurance products and services. With strong underwriting discipline, it is able to assess the risk, select the right clients and create highly tailored products for different industries.<\/p>\n\n\n\n<p>The challenge was that its IT ecosystem was not supportive to the brokers and underwriters responsible for designing the proposals and quotes, and users were essentially creating each one from scratch. This often led to delays and raised the potential for errors. Recognizing the need for a more robust IT ecosystem, the company decided to partner with ÎÚÑ»´«Ã½ and craft a solution designed to streamline these processes and transition from a one-size-fits-all approach to smart, targeted products.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-new-platform-for-a-new-approach\">A new platform for a new approach<\/h2>\n\n\n\n<p>Working with the insurer\u2019s team, ÎÚÑ»´«Ã½ designed and implemented a rapid application development platform for next-generation digital architecture with a focus on standardization and harmonization in various insurance products, leveraging the Insurance Application Architecture (IAA)-based model. In line with the organization\u2019s regional needs, the project team proposed a Component Based Architecture (CBA), which could bring improved time-to-market and flexibility in product offerings by differentiating the common functionalities and the product-specific functionalities.<\/p>\n\n\n\n<p>This was made possible with a series of collaborative design workshops, which involved multiple business stakeholders, and a competitive cost-benchmarking and cost-benefit analysis. Moreover, ÎÚÑ»´«Ã½ enabled users to support themselves with new self-service abilities to customize product parameters. This significantly reduced IT dependencies by enabling underwriters to implement operational changes in the new architecture. This new digital underwriting platform has enabled the insurer\u2019s underwriters to create infinite variations of policies by mixing and matching existing features.<\/p>\n\n\n\n<p>Three \u201clayers\u201d make the process simple and intuitive.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The core layer includes generic functionality used by companies across borders.<\/li>\n\n\n\n<li>The country layer feature country-specific functionalities like tax regulations, bank interfaces, or blacklisting.<\/li>\n\n\n\n<li>The customer layer covers insurance products, general ledger value chain partner interfaces, and more.<\/li>\n<\/ul>\n\n\n\n<p>The new underwriting platform covers customizable user profiles, product configurations, e-commerce, channel management, policy management, claims and collections support, information analysis, document services, and more to support pre-bind and post-bind underwriting activities. It also provides the flexibility of a pluggable architecture to augment underwriting and broking functions with next-gen technologies such as generative AI and IoT-based risk management. Now, with more efficient underwriting, it has become possible to offer more personalized product offerings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-empowering-insurance-product-offerings\">Empowering insurance product offerings<\/h2>\n\n\n\n<p>As a result of the new platform, the insurer\u2019s average go-to-market period has shrunk from 28 weeks to just 10. In addition, the solution has enabled the regional and customer-specific configuration of features and supported the rollout of more than 60 new products across 10 different countries. This approach not only led to profitable growth but has also heightened the efficiency of straight-through processing and minimized the need for extensive operations staff. The platform also generated a 20% improvement in the efficiency of processing new business, mid-term adjustments, and renewals, resulting in multi-dimensional benefits of cost and efficiency.<\/p>\n\n\n\n<p>Finally, this project enabled the firm to introduce a new degree of self-service for the insurer\u2019s brokers and underwriters, thereby optimizing the workflow. This has successfully reduced complexity and risk, and simplified communication across teams.<\/p>\n\n\n\n<p>With these critical components, the insurer minimized manual effort for multiple integral business processes. These include tax computations, credit score validation, back-office integration, and capacity loading, fortifying the insurer\u2019s operational agility and market responsiveness. They\u2019ve also been able to improve profitable growth and maintain competitive differentiation. As a result, the insurer strengthened its lead in the small and medium-sized enterprise insurance market while continuously introducing unique tailored insurance products.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\t<section class=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n        <div class=\"container\">\n            <div class='career-invent-header'>\n                \n\t                        <\/div>\n        <\/div>\n\n        <div class=\"slider slider-fader 31db050b-b9c3-4952-8cea-b6b6832acb48\">\n\t\t\t\t\t\t\t<div class=\"slider-nav-wrapper smallDevice\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t<div class=\"col-md-12 text-center\">\n\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t<button class=\"slider-prev\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button>\n\t\t\t\t\t\t\t\t<ul class=\"slider-paginator\"><\/ul>\n\t\t\t\t\t\t\t\t<button class=\"slider-next inactive\" aria-label=\"Slider-next\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"slider-list\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide active \">\n\t\t\t\t\t\t<div class=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire3\">\n\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n                  <div class=\"row\">\n\t\t\t\t\t\t  \t\t\t<div class=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\" data-maxlength=\"68\" title=\"Insurance\">Insurance<\/h3>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\" title=\"ÎÚÑ»´«Ã½ creates business value from change in the insurance industry. We help our clients explore and seize change-driven opportunities across\">ÎÚÑ»´«Ã½ creates business value from change in the insurance industry. We help our clients explore and seize change-driven opportunities across<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t <div class=\"btnDiv\">\t<a class=\"more2\" data-maxlength=\"24\"  aria-label=\"Read more about Insurance\"  title=\"Opens in new window\" tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/dk-en\/industries\/insurance\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\" >\n\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=1200&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=600&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\n\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"box-img\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/>\n\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t           <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t <div class=\"\"><\/div>\n\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide active \">\n\t\t\t\t\t\t<div class=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire3\">\n\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n                  <div class=\"row\">\n\t\t\t\t\t\t  \t\t\t<div class=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\" data-maxlength=\"68\" title=\"World Property and Casualty Insurance Report 2024\">World Property and Casualty Insurance Report 2024<\/h3>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\" title=\"Become an underwriting trailblazer: Chart your transformation across a shifting risk landscape\">Become an underwriting trailblazer: Chart your transformation across a shifting risk landscape<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t <div class=\"btnDiv\">\t<a class=\"more2\" data-maxlength=\"24\"  aria-label=\"Read more about World Property and Casualty Insurance Report 2024\"  title=\"Opens in new window\" tabindex=\"-1\" href=\"https:\/\/www.capgemini.com\/dk-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\" >\n\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=1200&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=600&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\n\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"box-img\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_banner.jpg\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/>\n\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t           <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t <div class=\"\"><\/div>\n\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide active \">\n\t\t\t\t\t\t<div class=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire3\">\n\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n                  <div class=\"row\">\n\t\t\t\t\t\t  \t\t\t<div class=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\" data-maxlength=\"68\" title=\"Smart underwriting\">Smart underwriting<\/h3>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\" title=\"Like all aspects of property and casualty insurance, the way we approach underwriting is evolving at a rapid speed. To stay ahead, and perform t\">Like all aspects of property and casualty insurance, the way we approach underwriting is evolving at a rapid speed. To stay ahead, and perform t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t <div class=\"btnDiv\">\t<a class=\"more2\" data-maxlength=\"24\"  aria-label=\"Read more about Smart underwriting\"  title=\"Opens in new window\" tabindex=\"-1\" href=\"https:\/\/www.capgemini.com\/solutions\/smart-underwriting\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"_blank\" >\n\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1200&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=600&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\n\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"box-img\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/>\n\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t           <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t <div class=\"\"><\/div>\n\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"slider-nav-wrapper largeDevice\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t<div class=\"col-md-12 text-center\">\n\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t<button class=\"slider-prev\" aria-label=\"slider prev\" tabindex=\"-1\"><\/button>\n\t\t\t\t\t\t\t\t<ul class=\"slider-paginator\"><\/ul>\n\t\t\t\t\t\t\t\t<button class=\"slider-next inactive\" aria-label=\"slider next\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\n\t<\/section>\n\n\t","protected":false},"excerpt":{"rendered":"<p>Shorter time-to-market for more personalized product offerings thanks to a modular platform<\/p>\n","protected":false},"author":211,"featured_media":854557,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"3561c32b-07c5-4698-b5dd-9fa6046339b2\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","client_logo_id":0,"client_logo_url":"","primary_term":"","featured_focal_points":""},"tags":[352],"brand":[599],"service":[108],"industry":[96],"partners":[],"country":[],"content-group":[],"class_list":["post-854556","client-story","type-client-story","status-publish","has-post-thumbnail","hentry","tag-client-story","brand-capgemini","service-enterprise-management","industry-insurance"],"yoast_head":"<!-- This site is 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