Rewiring the L&A Enterprise: Unlocking Value through Systems of Execution (SoE)

Life and Annuities (L&A) insurers are under growing pressure to modernize core operations, reduce servicing costs, and deliver real-time customer experiences across increasingly complex product portfolios. Many have invested in digital platforms, automation, and advanced analytics, but the execution gap remains wide. Despite these investments, most organizations struggle to activate intelligence at scale and embed it into daily operations. This has led insurers to explore a range of approaches to transformation, including the use of AI.

The report outlines how Systems of Execution (SoE) can fundamentally reshape core L&A insurance functions such as onboarding, distribution, claims management, and closed-block servicing. It explores how SoE is the key architectural evolution for enterprise AI, enabling insurers to activate agentic intelligence, translate data and decisions into action, and transition from insight to autonomous execution.

In addition to outlining technology and operational changes, the report emphasizes the strategic role of CIOs in driving SoE adoption. It explores the key capabilities required to unlock SoE at scale. A future-state L&A insurance enterprise enabled by SoE is envisioned as agile, intelligent, and resilient, capable of adapting instantly to risk events and market shifts. Embracing SoE is no longer optional; it is a strategic imperative for L&A insurers looking to lead in an increasingly complex and competitive environment.