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Discover how RGI’s modular insurance platform can accelerate your digital transformation.
Powering Life Insurance with agility and scale
Our Life platform helps insurers manage traditional and hybrid Life portfolios, from protection and credit life to pensions and savings, with agility, automation, and compliance.
Whether you serve individuals or groups, across a single or multiple countries, our modular core system enables fast product design, policy servicing, and omnichannel distribution from day one.
Key Features
A modular platform that cover the full policy lifecycle across channels – from product design to policy maturity and redemption, all through a user-friendly and modern interface.
Simplify even the most complex Life portfolios
With parametric logic and fully configurable benefit rules, our zero-code product engine models tariffs, documents, rules, and coverages for any type of Life insurance contract. Whether you’re managing individual savings, unit-linked products or group pension schemes, you can model the full financial and actuarial complexity, without any custom code, through an intuitive, browser-based user interface. The same product can be reused across countries and brands, with language variants and regulatory specificities managed centrally.
Define pricing, documents, rules, and coverages with full version control
At least 30% saving in time-to-market for new product launch
Zero-code along all configuration processes, with contextual help
Embedded testing, modeling, and release tools
Translate and reuse products across markets and business lines with one tool
Bulk operations and selective deployment of components to speed up changes
Parametric rule engine for actuarial and financial logic
Multi-year guarantees, bonuses, and loyalty benefits
Handle the full Life policy journey end-to-end.
Our platform covers all contracts lifecycle, from quotation, issuance to maturity, including all in-life servicing operations for Life Insurance. With native support for operations like redemption, partial withdrawal, premium suspension, and loan requests, you can streamline policy administration and ensure a positive customer experience along all the value chain, for both individual and group policies.
End-to-end lifecycle management from quotation to policy issuance, premium management, and benefit calculation
Complete management of redemption, switches, loans, suspension and reactivation
Seamless management of closed books and legacy contracts
Streamlined automation of underwriting workflows
Supports all Life lines of business: whole & term life, unit-linked, annuities, illness, disability, income protection, pensions and savings, both for individual and group policies
Powered by Artificial Intelligence (AI) tools
20+ lines of business already in production
Running in 10+ European countries across Insurers of any size
Process claims faster and smarter, with improved control.
A modern life claims platform that automates policy validation, manages every step from intake to settlement, and supports all benefit types, from lump-sum payouts to complex annuity conversions.
Intuitive claim submission tailored for life events — death, disability, maturity — ensuring an efficient FNOL (First Notice Of Loss) experience.
Automated validation of policy terms, benefits, and underwriting rules. Instantly identifies eligible coverages, beneficiaries, and payout options.
Powered by Artificial Intelligence (AI) tools
Supports lump-sum payments, annuities, partial surrenders, or conversions, reflecting the full complexity of life and annuity products.
Full claims lifecycle, from intake to settlement
Empower distribution. Engage customers.
The Life business is deeply entwined with advice and trust. Our platform supports both with tools that enable agents, bank branches and advisors to manage complex, personalized offers across channels, while giving policyholders a secure, compliant digital space to interact with their contract, request changes, and stay informed. Our card-based, user-friendly front-end portal is customized by role and channel to enable insurers operations and to build customer journeys that are seamless, compliant to EU and local requirements, and conversion-ready.
Same portal and user experience (UX) for all distribution networks
Dedicated, compliant and user-friendly customer area for policyholders
Widget-based, modern and configurable user interface (UI)
Customizable by channel and role for a real omnichannel experience across any touchpoint
User-friendly advisor and agent portals powered by Artificial Intelligence (AI) tools
API integration with third parties’ CRM, digital tools and customer communications
Benefits
Our platform combines long-term policy management with short-term agility, helping Life insurers reduce complexity, ensure compliance, and unlock growth.
End-to-end support for traditional and hybrid Life products
Handles the full lifecycle: underwriting, servicing, claims, maturity, surrender, payout
Natively supports open book and closed book portfolio management
Embedded compliance with IDD, GDPR, EU and local requirements
Enables omnichannel distribution: agents, financial advisors, bancassurance
Accelerates time-to-market and business-led evolution with zero-code product design
Real-time processing and event-driven automation
Integrates via API with third parties’, such as CRM, accounting, and other legacy systems
Cloud or on-premises deployment, tailored to IT strategy
Proven approach to complex data migration and consolidation
Backed by 900+ professionals with deep insurance expertise in EMEA
Frequently asked questions
It’s both. You get an end-to-end suite that’s modular by design: use what you need, when you need it.
Yes. Our system supports individual and group policies with full lifecycle coverage and flexible configuration.
It’s built-in. EU and local compliance are fully supported and regularly updated across countries.
Definitely yes. Our platform includes a compliant customer portal for policyholders to access documents, manage policies, and more.
We do. Our solution is multilingual, multicurrency, and ready for multi-country rollouts, with already some successful cases across Europe.
Yes. Open APIs make integration with your ecosystem fast and future-proof.
Yes! You can run your entire Life and P&C business on one unified platform. Shared components, no-code tools and cross-line workflows give you full control, even for bundled products. One system, no silos.
Explore all our offerings
Discover our local excellence across Europe
Explore how RGI’s product suite powers digital insurance in Italy, France, and Germany with scalable, compliant, and innovative platforms.
PASS - The EMEA-proven Core Insurance Platform for P&C and Life
PASS is RGI Group’s enterprise-grade platform for insurers across EMEA available in cloud, on-premise, or in hybrid environments. Supporting P&C, Life, and Claims, it handles the full policy lifecycle—from quotation to settlement—with embedded automation, omnichannel front-ends, and real-time analytics.
Built for scalability and compliance across Countries, brands and lines of business, PASS empowers insurers to launch new products faster, manage distribution efficiently, and deliver top-tier customer experiences.
KELIA - Full Lifecycle Platform for Life Insurance in French speaking Countries
Developed and distributed by Kapia-RGI, KELIA is the all-in-one platform for Savings, Retirements, Pensions, and Emprunteur products in France. With a low-code product configurator, intelligent automation, and seamless omnichannel integration, KELIA simplifies complexity and accelerates product delivery.
It’s designed for fast deployment in cloud, on-premise, or hybrid environments—fully localized to meet French regulatory needs and empower insurers with complete autonomy.
V’ger - The P&C and Life Core Suite for the DACH Region
V’ger is Novum-RGI’s modular suite designed for German-speaking markets. Supporting P&C, Life, and Claims, it offers powerful automation, native multi-language support, and fast product configuration—accelerating time-to-market while ensuring regulatory alignment.
V’ger is available on-premises or in the cloud (SaaS or PaaS), with all modules fully documented and ISO27001-compliant—ideal for insurers who demand performance, transparency, and long-term reliability.