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Insurance Software Modernization Services

Rebuild What’s Outdated. Protect What Works.

ScienceSoft helps insurance market participants and software vendors modernize legacy software in controlled, value-first phases. We assess what should be preserved, improved, replaced, or re-architected, then plan and implement modernization with tight control over scope, cost, timelines, and operational impact.

Insurance Software Modernization Services - ScienceSoft
Insurance Software Modernization Services - ScienceSoft

Insurance software modernization services are necessary to transform legacy insurance systems into scalable, high-performing solutions. These services may span the reengineering, rearchitecting, migration, and evolution of outdated insurance tools.

  • Insurance organizations pursue modernization to improve the agility, performance, interoperability, AI readiness, and compliance of their systems without disrupting business operations. Modernization helps increase operational efficiency, elevate user experience, accelerate the launch of new products, improve data utilization, and cut both operational and IT expenses.
  • For insurance software product vendors, modernization is a way to evolve their aging products into cloud-ready, scalable solutions without displacing well-working modules or breaking client operations. With revamped software, vendors can speed up feature delivery, reduce maintenance costs, broaden the scope of integrations, and leverage modern SaaS models.

Legacy systems are holding insurance firms back

Sources: KPMG, BCG, Novidea, Earnix, Capgemini.

ScienceSoft, Big Enough to Deliver, Small Enough to Care

  • Since 2012 in engineering custom software solutions for the insurance industry.
  • Since 2012 in full-cycle cloud migration services.
  • Since 1989 in AI services to drive AI transformation in insurance.
  • 750+ professionals, including software engineers, testers, data scientists, and DevOps engineers. Over 50% of our engineers are senior or lead specialists.
  • 30+ principal and senior architects with hands-on experience in modernizing insurance automation systems and driving safe implementation of AI technologies.
  • Insurance IT and compliance consultants (NAIC, GLBA, HIPAA, NYDFS, GDPR, etc.) with 5–20 years of experience.
  • 45+ certified project managers (PMP, PSM I, PSPO I, ICP-APM) who’ve brought their established PM practices to succeed in large-scale projects for Fortune 500 firms.
  • Partnerships with Microsoft, AWS, Ispirer Systems (a provider of automated migration tools), and other technology leaders.
  • Prepared to support long-term modernization initiatives: 62%+ of ScienceSoft’s revenue comes from engagements lasting more than 2 years.

Who We Help With Insurance System Modernization

Third-party administrators

Reinsurers

Distribution facilitators (NMOs, embedded insurance partners)

ScienceSoft’s Insurance IT Modernization Services

Modernization strategy planning

Insurance software modernization consulting

ScienceSoft’s consultants assess legacy insurance systems and their infrastructure to identify modernization opportunities, constraints, and risks. We work with you to find realistic, cost-aware strategies for gradual modernization that would minimize business disruption and target the biggest pain points first.

ScienceSoft helps insurance organizations upgrade their operations through the strategic adoption of AI, without replacing core systems. We add agentic, assisting, generative, and predictive capabilities around and within existing software environments, targeting workflow gaps where AI can improve speed, accuracy, or staff productivity.

Insurance software transformation

Tech stack modernization

ScienceSoft revamps insurance apps built on outdated programming languages, frameworks, and databases by migrating them to modern, scalable, and cloud-optimized technologies. Our engineers apply DevOps practices and tools to enable faster, more reliable transitions and simplified maintenance.

Software reengineering

ScienceSoft’s engineers improve the internal structure, logic, and data models of insurance systems without changing their architecture. This may include optimizing data access and storage procedures, reviewing and refactoring software code, repairing integrations, and enabling web and mobile access.

Software rearchitecting

ScienceSoft’s architects redesign legacy insurance systems to improve scalability, interoperability, security, and compliance. This may involve strangling monolithic platforms to modular (SOA, microservices) architectures, transitioning databases from single-node to distributed or managed cloud setups, and optimizing architectures for cloud elasticity and higher availability.

Data modernization

ScienceSoft’s data architects and engineers consolidate insurance data into centralized, cost-effective storage and implement data integration and data quality validation pipelines. We also deploy scalable data management platforms that support real-time analytics, reporting, and decision-making across areas like underwriting, claims, and risk management.

Functional extension of insurance software

ScienceSoft can implement new software features (e.g., automation logic, self-service options, interfaces) to extend the capabilities of the existing systems. Our engineers can develop new modules and components from scratch, build them on selected platforms, or integrate aging systems with chosen ready-made components through custom connectors.

ScienceSoft adds agentic, GenAI, and ML capabilities to insurance software ecosystems and implements enterprise AI foundations (AI gateways, integration layers, model deployment and monitoring infrastructure, etc.). We can adapt commercial and open-source models, fine-tune or retrain them on proprietary data, or build custom models where ready options do not fit.

Legacy software integration

ScienceSoft’s integration architects connect legacy insurance systems with internal and external software, including modern insurtech platforms, producer systems, asset and risk data platforms, and KYC/AML services. We design custom APIs and connectors, API gateways, and integration layers to support secure data exchange without major changes to core applications.

Cloud enablement

ScienceSoft moves insurance apps from on-premises or legacy cloud infrastructure to modern clouds, using rehosting, replatforming, or cloud-native transformation depending on the client’s needs. Our experts design secure, scalable architectures for cloud and hybrid setups, and use Ispirer Toolkits to automate up to 95% of routine migration tasks.

Insurance application containerization

ScienceSoft’s engineers isolate insurance software modules or app components and package them into portable containers. Containerization enables granular allocation of computing resources to each component, leading to more efficient resource use at the system level. It also supports identical running of insurance app components on local machines, on-premises servers, and in the cloud.

Security and compliance

Security enhancement

ScienceSoft can audit the security of legacy insurance applications, their underlying infrastructures, and the data they operate, define protection gaps, and suggest practical enhancements. The engineering work may cover fixing code vulnerabilities, evolving application security features, implementing data and network protection tools, and refining access control models.

Supporting compliance

Compliance consultants, security experts, and software engineers at ScienceSoft work together to assess the compliance of insurance solutions, spot gaps, and align the software’s architecture, logic, data handling workflows, and security toolset with the applicable business policies and regulatory frameworks (NAIC, state DOI, GLBA, NYDFS, GDPR, and more).

User experience evolution

UX and UI redesign for insurance apps

ScienceSoft’s experts redesign the UX and UI of legacy insurance apps to improve software usability for target roles (insurance teams, customers, producers, etc.). The focus is on simplifying back-office insurance workflows, enabling faster, error-free interactions for front-line servicing teams, and minimizing friction in digital customer journeys.

Improving mobile and cross-platform compatibility

If your legacy insurance apps doesn’t work smoothly across web and mobile platforms, ScienceSoft studies the issues, provides remediation guidelines, and revamps the apps for compatibility. Where appropriate, we transform web-based apps into progressive web apps to deliver consistent mobile UX without the overhead of native mobile development.

Accessibility enhancement

ScienceSoft’s UX/UI consultants and engineers identify and resolve issues in insurance app navigation, content presentation, and interaction design to enhance solution usability for all users, including those with disabilities. Our team has experience with ADA, Section 508, WCAG, and other recognized accessibility standards.

Planning or Running a Software Modernization Initiative?

Let’s work together to assess the revamp potential of your insurance software, identify what needs to be done first, and plan the most feasible path forward.

Let’s cooperate

Our Clients Say

ScienceSoft transformed our underwriting platform into a well-oiled machine. They identified and fixed several longstanding issues that had been causing us persistent difficulties. Their communication was exemplary; unlike our previous experiences with outsourcing, we never had to chase them for updates, and they were always prompt in responding to our queries.

ScienceSoft doesn't just execute on a task list. They're genuinely invested in understanding what we're building and why it matters. Their team communicates well with our people, moves quickly when we need them to, and they've consistently brought smart, practical solutions to the table. We'd recommend them to anyone looking for a technology partner they can count on.

Star Star Star Star Star

At Capital IM, we constantly improve our insurance systems to make employee and customer experience the very best it can be. Engaging ScienceSoft this way saved us a lot of precious time and resources. Their quick buy-in and readiness to take the initiative made the project faster and less stressful for everyone involved. We couldn’t have asked for a better IT partner.

Haven’t Found Your Solution on the List?

Just tell us what you’re upgrading. We have revamped many niche solutions, from aviation insurance core platforms to NMO apps to broker reporting tools — chances are, we’ve handled similar systems in the past and can offer practical advice.

Challenges of Insurance Legacy System Modernization — and How We Address Them

Large costs of software modernization

Revamping legacy insurance software may require significant investment, especially when it involves rearchitecting or transitioning large-scale core platforms to cloud-native architectures.

How we handle this

How we handle this:

ScienceSoft’s consultants start by determining which software components can be reused. In many modernization projects, organizations can continue using stable business logic, integrations, data models, reporting components, and user workflows while modernizing only the areas that limit performance, scalability, or maintainability. This helps avoid unnecessary redevelopment costs and reduces implementation risks.

Instead of pushing for a full rip-and-replace, we modernize systems incrementally, focusing first on the areas that create the biggest operational or business challenges. This allows our clients to spread investments over time, achieve faster returns, and minimize disruption to day-to-day operations. Check how ScienceSoft used this approach in a recent insurance platform modernization project for an MGA to reduce upfront revamp costs and speed up insurance reporting by up to 75x within just 5 weeks.

To further reduce engineering effort, we use pre-built logic building blocks, interface components, APIs, and deployment scripts, and rely on proven accelerators and cloud services. This enables our teams to deliver modernization initiatives faster and at a lower cost than building every component from scratch.

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New risks appear in the middle of modernization

Insurance platform modernization programs often span months or years, making it difficult to accurately forecast business value and risks. The failure to address emerging risks midway may escalate project costs and timelines.

How we handle this

How we handle this:

To support predictability in modernization projects, ScienceSoft conducts comprehensive early-stage discovery, where we assess revamp feasibility and map the task scope, timelines, costs, and expected outcomes.

We know that new risks can emerge even in well-planned projects. Teams may encounter data quality issues during migration, face new regulatory requirements, or experience unexpected business demand that changes project priorities. To keep these risks from disrupting delivery, we continuously monitor project health against case-specific KPIs and adjust plans as risks emerge. Depending on the situation, this may involve revising migration waves, reallocating engineering resources, introducing additional testing and validation steps, or redesigning specific components before issues escalate into costly rework.

We also implement structured change request processing to adapt to new requirements without introducing scope creep. In our claims software reengineering project for Brush Claims, these practices helped us safely shift from planned activities to urgent back-end enhancements, helping the client’s systems sustain a surge in P&C catastrophic claims.

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Project Management Director

Most of ScienceSoft’s insurance modernization engagements that lasted over 12 months needed adjustments to the initial scope at some point in the process. While Agile-Scrum is an obvious staple, we found hybrid methodologies combining Agile delivery with upfront strategic planning to be more effective in large-scale modernization initiatives.

We define and document the long-term modernization strategy, target architecture, budget boundaries, major milestones, and compliance requirements upfront to provide predictability and control. At the same time, we deliver the solution in short iterations, allowing us to adjust implementation priorities, migration sequences, and feature scope as new demands emerge.

This approach helps address one of the common problems of large Agile programs: frequent changes across multiple workstreams may gradually raise costs, create dependency conflicts, or move the project away from its original objectives. Structured planning keeps the project aligned with its goals, and structured change management helps us prioritize changes against business goals and incorporate only those that deliver measurable value.

Lack of documentation for legacy insurance software

Insurance systems often evolve over decades, accumulating undocumented logic and hidden dependencies. This raises modernization complexity and risks, since even small changes may trigger unexpected failures.

How we handle this

How we handle this:

ScienceSoft addresses this challenge by reverse-engineering legacy insurance solutions. Our experts can manually explore the software’s codebase, architecture, and data structures, uncover implicit logic, and reconstruct missing documents. Interviewing business users and observing legacy app usage in a shadow mode gives insights into the app’s non-obvious functionality and actual behavior.

This approach is crucial for safe and predictable modernization. Explore how reverse engineering by ScienceSoft paved the way for the successful revamp of 20-year-old aviation insurance software with thin, dated documentation and no access to original developers.

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Potential operational freezes and downtimes

Even short hard stops during migration or transformation can disrupt employee workflows, cause financial losses, and hamper customer experience.

How we handle this

How we handle this:

ScienceSoft favors incremental modernization strategies that support gradual migration, rearchitecting, and evolution of legacy insurance systems. We usually upgrade individual components one by one and keep legacy and modernized components running in parallel, scheduling cutovers and update deployments during off-peak hours. This approach accelerates change deployment while securing operational continuity. It also lets us safely revert the affected component without disrupting the entire platform if something goes wrong.

For data migrations, we typically transfer the majority of data in small batches before cutover and migrate only the latest changes during the final transition window. Doing this helps us shorten downtime from large-scale migration activities and minimize operational impact.

The use of tools for automated code conversion and data migration helps further reduce disruption risks. For example, with tools like Ispirer Toolkit, ScienceSoft’s engineers can migrate SQL objects and data up to 3x faster compared to manual approaches, shortening transition windows and limiting system impact.

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Modernization Doesn’t Have to Be a Source of Chaos

Whether you're starting a modernization project or reviving a stalled revamp initiative, our insurance IT experts are ready to discuss your needs and propose a safe, predictable action plan.

Our Tech Stack for Insurance Software Modernization

AI technologies

AI platforms and services

  • Azure OpenAI Service
  • Amazon Bedrock
  • Hugging Face Inference
  • Oracle Cloud
  • G42/Core42

Agents and orchestration

  • OpenAI Agents SDK
  • OpenAI Agents
  • AWS Agents
  • LangChain
  • LangGraph
  • smolagents
  • LiveKit
  • Dify
  • n8n
  • Faiss
  • ChromaDB
  • Qdrant
  • Weaviate
  • OpenSearch
  • Pgvector
  • Amazon Neptune
  • Graph RAG Toolkit
  • Neo4j

Traditional AI/ML

  • Azure Cognitive Services
  • Azure Machine Learning
  • Microsoft Bot Framework
  • Amazon SageMaker AI
  • Amazon Transcribe
  • Amazon Lex
  • Amazon Polly
  • Google Cloud AI Platform
  • Google Vertex AI

Front-end programming languages

Languages

JavaScript frameworks

Mobile

Desktop

Low-code development

  • Microsoft Power Apps
  • Microsoft Power Automate
  • App Engine Studio (ServiceNow)
  • Bubble.io

Databases / data storages

SQL

  • Microsoft SQL Server
  • Microsoft Fabric
  • MySQL
  • Azure SQL Database
  • Oracle
  • PostgreSQL

NoSQL

Cloud databases, warehouses, and storage

AWS

Azure

Google Cloud Platform

  • Google Cloud SQL
  • Google Cloud Datastore

Other

  • Microsoft Fabric

DevOps

Containerization

  • Docker
  • Kubernetes
  • Red Hat OpenShift
  • Apache Mesos

Automation

  • Ansible
  • Puppet
  • Chef
  • Saltstack
  • HashiCorp Terraform
  • HashiCorp Packer

CI/CD tools

  • AWS Developer Tools
  • Azure DevOps
  • Google Developer Tools
  • GitLab CI/CD
  • Jenkins
  • TeamCity

Monitoring

  • Zabbix
  • Nagios
  • Elasticsearch
  • Prometheus
  • Grafana
  • Datadog

Costs and Timelines of Insurance Application Modernization

Modernizing legacy insurance software may cost from $30,000 to $2,000,000+, depending on the revamp scope, solution type and complexity, non-functional (performance, scalability, security, compliance) targets, and the chosen transformation path.

Sample cost and time ranges

Here are ScienceSoft’s estimates for common insurance software upgrade services:

$30,000–$150,000

Rehosting a low-to-medium complexity solution (e.g., a broker portal, a monolithic PAS) to cloud infrastructure with minimal code changes.

Timelines: 2–6 months.

$80,000–$300,000

Code refactoring and performance optimization of a medium-complexity insurance automation solution (5–10 modules, 3–7 integrations).

Timelines: 2–8 months.

$200,000–$600,000

Deep reengineering (code transformation, tech stack modernization, partial logic redesign) of a core insurance platform (e.g., underwriting, claims) with complex business logic and 5–15 integrations.

Timelines: 6–12 months.

$600,000–$2,000,000+

Full-scale modernization of a core insurance system (15+ modules, 10+ integrations) with rearchitecting, integration redesign, and cloud-focused transformation (containerization, orchestration, replatforming).

Timelines: 8–24+ months.

Learn the Cost of Your Insurance Software Modernization Project

Please answer a few simple questions prepared by ScienceSoft's consultants. Within 24 hours, our team will analyze your project details and will send you a free tailored estimate.

Discover our insurance software modernization services in detail.

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*Which goals are you pursuing with insurance software modernization?

*What modernization services are you interested in?

*What approach would suit you best?

*How many clouds are you planning to use?

What environments do you need in the cloud?

*What systems does your legacy software struggle to integrate with?

*What techs do you want to transition your legacy software from?

*What assistance do you need across your data?

What is your current data volume?

?

If you don’t know the data size in TB, describe it as the number of data records: e.g., orders, payments, cases, customer interactions, sensor readings.

*What data volume growth do you expect during the next 12 months?

?

You can describe the volume in TB or percentage.

*What new features do you need in your legacy software?

*What AI capabilities are you interested in?

*Which security aspects would you like to enhance?

*Which platform(s) should your insurance app support?

Do you need any app accessibility enhancements?

*Which user roles will your UX/UI enhancements target?

*What type of insurance solution do you want to modernize?

*How old is your insurance solution?

*Where is the software currently hosted?

*Which statement best describes your case?

*What is the expected number of software users?

Are you going to sell your software to:

*How many individuals will use your software, approximately?

*How many organizations are you planning to target, approximately?

*How many end users (individuals from all organizations) will use your software, approximately?

How many organizations are you planning to target, approximately?

*How many end users (both corporate and individual users) will use your software, approximately?

*Which compliance requirements should your modernization project meet?

*How many integrations should your upgraded software support?

*How can we get knowledge about your legacy solution?

Your contact data

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Thank you for your request!

We will analyze your case and get back to you within a business day to share a ballpark estimate.

In the meantime, would you like to learn more about ScienceSoft?

Our team is on it!