Insurance & Insurtech
Policies don't stall at the quote. They stall between systems.
Quoting, issuing, collecting, invoicing and handling a claim all run through your core system, your ERP, your channels and your agents. We work on the thread that ties them together, with the core you already have.
Prefer email? Write to us at hola@habil.mx
Trusted by organizations where continuity and security are non-negotiable
- BanCoppel
- Zurich
- Allianz
- GNP Seguros
- MetLife
- Costco
- Seguros Multiva
- Aserta
- Bx+
- Veolia
- Truper
- Argos
A poorly connected policy doesn't crash. It just stops adding up
The quote goes out, the policy is issued and the payment is recorded. If the systems don't understand each other, the error shows up in reconciliation, on the invoice or in the policyholder's complaint. That's why we work on the thread that ties them together, not on replacing your core.
Symptoms your operation will recognize
Each symptom hurts one department first.
"Changing a rate is an IT project."
Every product, coverage or rule change waits in the development queue.
Salesthe market moves faster than your offering.
"The policy is issued, but the invoice isn't."
Issuance, collection and CFDI in separate systems, reconciled by hand.
Financepremiums that don't reconcile and period closes that have to be reopened.
"The direct debit failed and no one found out."
Rejections with no follow-up that end in cancellations.
Collectionspolicies that lapse for non-payment.
"The claim is waiting on documents."
Photos, IDs and reports scattered across several channels.
Operationsdays sitting on the desk and an unhappy policyholder.
"The agent doesn't have the information at hand."
Phone calls and emails just to find out where a policy stands.
Salesopportunities lost to whoever answers on the spot.
Why now?
Usage-based products, digital channels and tax requirements are all arriving at once, and all of them depend on the same integrations.
What we offer
Products and rates through configuration.
On top of your core system, your Sales team adjusts rates and coverages, with the approvals and testing your Technology team defines.PautaFrom quote to collection and invoice, in a single flow.
Issuance, direct debit and CFDI connected, with reconciliation.The core you already have, connected.
We integrate your core system — SIVI, Acsel/X, SIS/SISnet, INSIS, Guidewire, Duck Creek or another — with your ERP, your channels and your agents, without replacing it.Simple claims, ready for a decision.
The case reaches the adjuster complete; the decision stays with the adjuster.Channels for policyholders and agents.
Apps and portals where policyholders handle their requests and agents see what concerns them — and that keep working when the signal drops: the agent records the sale and the payment received without a connection —in a mobile or desktop app with its own local database— and on reconnection everything is confirmed with no duplicates.Health insurance with your provider network, on the policyholder's phone.
An app published in the app stores where policyholders find the providers in their network, check their policy and handle their requests.Selling to companies without going through an account executive.
An online channel where the company gets a quote and buys on its own, with open campaigns or campaigns exclusive to a group or agreement, which the sales team launches from a template, without an IT project.The regulator's rules, as configuration.
The limits and rules of Mexico's insurance regulator (CNSF) are modeled as data, not code: a regulatory change doesn't require a deployment.Usage-based insurance.
Platforms that take in driving or usage data and turn it into pricing, with rules the business controls.AI under control.
The AI you have already contracted, or one that runs on your own infrastructure, connected to your operation — from claim reporting via WhatsApp to document reading — with permissions, rules and human review.Hábil AI
How we work
In stages, while your operation keeps running: first we measure what each integration does today; then we replace one segment at a time, with an agreed rollback. Your operation carries on throughout.
What we've already built
Our first client, back in 2007, was an insurer, and we've never left the sector since. Several of the pieces we built became products and now run at more than one insurer. A few examples, without names:
Pieces that became products
A commissions and bonus engine for the agent network
, with the tax invoice for every settlement. It ran for five years at a global insurer and was later installed in another industry.An international tax compliance engine
, installed at more than one insurer; and a tax product of our own that runs at several.Case management through workflows and work orders
, in property and casualty and in complaints handling. Operated for more than a decade.
From risk to collections
The probable maximum loss (PML) of the entire portfolio from earthquake and hurricane
, separating what the insurer retains from what it transfers to third parties.Online payments end to end
: the premium at issuance and every receipt after it, with services so partners can collect through their own channels.Reinsurance administration
: treaties, reinsurers, intermediaries, facultative claims and the accounting that comes out of them.Electronic invoicing end to end
: the policyholder's receipt, the agent's commission invoice and the stamping of the company's premium invoices; plus electronic accounting filings with the SAT.From the insurance core to the accounting ERP, without a pause
: while the insurer replaced its financial ERP, its operation kept feeding it, with the ERP confirming every transmission.
Sales, claims and service
Affinity insurance sold by business partners
: the platform banks, retailers and financial companies use to sell a global insurer's policies to their own customers. Each partner has its own agreement, plans and billing; partners declare their insured members in batches, each with their own certificate, and every claim is handled according to that partner's agreement.A configurable calculation engine
: formulas and decision tables are edited on screen instead of being reprogrammed.- Pauta
Online quoting and issuance
for auto, life, individual major medical expenses, personal accident, aviation and insurance for mid-sized companies, for the agent network and the bancassurance channel, including quoting tools the seller uses on their own device without a connection. Quoting and simulating without a custom project: that capability is now a product, Pauta. The whole cycle in the intermediary's hands
: the agent or broker quotes, manages the application through to issuance, checks the policies in their portfolio on their portal and handles their renewals and the reinstatement of cancelled policies, without depending on an insurer's office.Life and health claims in a single flow
: from intake and assessment to settlement, payment and its accounting entry.- Pauta
Savings plan simulators for retirement, children's education and wealth investment, with investment portfolios in several currencies and the tax benefit of each plan; and the portal where the policyholder checks the account statement of their funds.
Quoting and simulating without a custom project: that capability is now a product, Pauta. Surety bond issuance
with automatic authorization.Several years as technology partner to a Mexican insurer
: its sales force app, its policyholder app with onboarding compliant with anti-money-laundering rules, and the operation of its cloud.
The assessment, in two tiers
First conversation, at no cost.
A map of your integrations from quote to claim, and the three points where you are most likely losing time or money.
In-depth assessment, with an agreed scope.
What to tackle first, and a staged roadmap.
Who reviews your assessment: We work with a small number of clients at a time: whoever reviews your assessment stays with your project to the end.
Frequently asked questions
- Do you replace our insurance core system?
- No. We connect it to what you already run.
- Do you work with our current provider?
- Yes; first we measure what each integration does today.
- Do we have to stop operations?
- No. In stages, with operations running.
Start by finding out where your policies stall
Message us on WhatsApp and tell us which systems work side by side in your operation.
Prefer email? Write to us at hola@habil.mx
Does your policy system need to be renewed without stopping issuance?
Modernize the core without slowing the businessIf what you need is to launch products and collect payments through configuration
Retícula