Stop Waiting Months for IT to Change a Rating Rule
Change the rules in five minutes; launch products in days, not months.
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Why Should You Use Higson To Manage Your Insurance Offer?
Higson is our proprietary Business Rules Engine (BRE), empowering business users with full control over complex product logic, pricing, and decision-making processes — no coding required. Featuring an intuitive interface and high-speed rule processing, Higson enables instant updates to products and market offers, significantly accelerating digital transformation and automating underwriting workflows.
Time-to-Market: 6 Weeks Instead of 18 Months
A VP Product at a US specialty P&C carrier launched 11 new product variants in Q1 using Higson - vs 2 variants in all of 2024 on the previous platform. Each variant: configuration only, no IT ticket, no release window. Same pattern observed at Life carriers (term-life product variants) and embedded retail partners (warranty product configurations)."
Created for Business Users
Higson Studio uses decision tables and forms - no code, no SQL. Your actuarial team defines rating tiers, eligibility thresholds, and product variations in the same interface used at Allianz Poland for 200+ products.
NAIC Audit Trail - Per Rule, Per Version, Per Decision
With Higson, pricing and underwriting rules are always visible and easy to manage. Every rule is clearly structured, versioned, and documented so your teams understand how decisions are made in each scenario. This improves control, supports internal governance, and simplifies audits.
One Product, 50 State Variations, One Source of Truth
US carriers struggle with state-by-state product filings. Higson holds the master rules; per-state deltas are explicit, versioned, and auditable. Multi-state filing isn't a rewrite - it's a delta.
Explore the Power of Higson
Higson supports a wide range of insurance use cases: from pricing to data management.
Tariff Calculation
Higson makes it easy to define, maintain, and execute insurance pricing across multiple products and distribution channels.
Dynamic Pricing
Higson calculates premiums based on real-time data and customer context. Pricing rules can react to behavior, risk profile, or external conditions, enabling more personalized and responsive pricing strategies.
Agent Management
Control agent permissions and commission structure. Higson defines who
Customer Segmentation
Use business rules to group customers by risk level, profile, or behavior, and apply tailored pricing, eligibility rules, or product variations.
Underwrting Process Support
Define rules to automatically accept, decline, or refer applications for manual review based on selected criteria. Higson helps streamline initial underwriting triage, enabling faster and more consistent decisions.
Reference Data Management
Higson helps manage key reference data such as address lists, vehicle codes, business classifications, and other external datasets used in decision-making. Updates can be applied centrally and reflected instantly across all rules.
Multi-State / Multi-Regulator Filing Compliance
Higson manages per-line per-state rule overlays, expiration dates of approved filings, and pending changes — single dashboard for compliance officers across every line you sell.
AI Model Governance
Higson acts as the rules-based guardrail layer for ML pricing/underwriting/claims models across all lines. AI proposes; Higson rules validate against actuarial guidelines, regulatory minimums (NAIC AI Bulletin), and bias-testing thresholds before any decision is binding - whether it's P&C rating, Life UW, Health adjudication, or Group eligibility.
Versioning
With Higson, you don't need to create separate products for each distribution channel or customer type. You can define and manage variations of the same product rules within a single structure — based on channel, customer segment, or other conditions. This simplifies your product portfolio and reduces duplication.
The Fastest Product Configurator
Higson is designed for high-performance rule processing, ensuring that even the most complex underwriting decisions execute in real time.
Full quotation takes 0.23 milisecond
calculations in one milisecond
Proven. Trusted. Award-Winning.
How Higson Can Connect To Your System?
Higson is technology-agnostic and connects easily to your existing business applications and policy administration systems via REST APIs. With an intuitive Studio interface, business users can define and manage rules for product setup, pricing, process management, and data validation without writing code.
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