Project Overview

Transforming Legacy Underwriting into a Centralized Digital Platform for a Global Insurer

eSparkBiz collaborated with one of the world’s fastest-growing insurance carriers, managing over $30B in assets and operations across 120+ countries. The client’s aviation insurance division was relying on a 20-year-old legacy underwriting platform used globally by underwriters, policy administrators, and brokers. However, as workflows grew more complex and regulatory scrutiny increased, the outdated system posed challenges, including limited traceability, poor user experience, and potential exposure to fraud and compliance risks.

Seeking a complete transformation, the client engaged eSparkBiz to design and build a new underwriting platform that would enable robust automation, cross-team collaboration, and real-time visibility into underwriting operations. Our team took end-to-end ownership of the solution — from business analysis to implementation, integrations, and user onboarding — delivering a fully modernized, scalable, and secure system.

The Problem

The client’s 20-year-old underwriting system had become increasingly outdated and insufficient to support the dynamic and complex workflows required by modern aviation insurance. Originally designed as a basic tool for underwriters, policy administrators, and external brokers, the legacy software struggled to manage the growing volume and complexity of insurance applications across multiple geographies. It lacked the flexibility to adapt to evolving underwriting standards, risk assessment models, and regulatory requirements, leading to significant inefficiencies.

Lack of Centralization and Transparency Increased Operational Risks

A critical weakness of the legacy system was its fragmented architecture, which failed to provide a unified view of underwriting processes. This resulted in siloed data that made it difficult to track risk rating decisions, insurance pricing, and policy servicing activities comprehensively. The absence of end-to-end traceability raised concerns about potential underwriting fraud, inconsistent pricing, and non-compliance with stringent industry regulations. These risks exposed the client to potential revenue losses and legal penalties, undermining trust among stakeholders and regulators.

User Experience and Collaboration Challenges Hampered Productivity

The old system’s interface and workflows were not user-friendly, causing frustration among underwriters, brokers, and administrators who required quick access to data and efficient task management tools. Collaboration across departments and geographies was hindered by the lack of integrated communication and data-sharing capabilities. This led to delays in policy issuance, errors in insurance quotes, and a general slowdown in underwriting cycles, impacting the client’s competitiveness in a fast-paced market.

Limited In-House Resources and Need for Expert Partnership

Compounding the technical challenges, the client lacked the necessary in-house project management, business analysis, and IT development expertise to overhaul the system independently. This gap made it difficult to define, design, and implement a modern underwriting platform that could meet current and future business needs. Recognizing the strategic importance of this transformation, the client sought a reliable technology partner with proven experience in insurance software development to guide the entire process from concept to deployment.

The Solution

Requirements Engineering and Project Planning

eSparkBiz initiated the engagement with an in-depth discovery phase, assembling a cross-functional team that included a project manager, business analyst, software architect, front-end and back-end developers, and QA specialists. Our experts worked closely with the client’s underwriting and policy administration teams to map out existing workflows and identify pain points in the legacy system.

Custom Development of an Automated Underwriting Platform

Using a powerful tech stack that included .NET, Angular.js, Microsoft SQL Server, and Azure, eSparkBiz engineered a fully custom, cloud-based underwriting system tailored to the unique demands of aviation insurance. The platform included intelligent modules for real-time risk assessment, automated quote generation, dynamic insurance pricing, and configurable policy management.

Seamless Integration and Business Process Automation

To unify enterprise operations, eSparkBiz implemented seamless API integrations with the client’s existing ecosystem, including Salesforce CRM, financial software, compliance systems, and business intelligence platforms. These integrations allowed for automated data sharing and significantly reduced manual entry across departments. The solution supported real-time quote submission to brokers and customers, automated premium recalculations based on updated risk scores, and rule-based policy updates.

Security, Compliance, and Post-Deployment Support

Recognizing the critical nature of compliance in global insurance operations, eSparkBiz implemented robust security protocols such as multi-factor authentication, geography-based KYC/AML and OFAC checks, and role-based access controls. The system maintained detailed audit logs of all user actions, ensuring transparency and regulatory readiness. Upon project completion, eSparkBiz provided comprehensive technical documentation, hands-on user training, and ongoing support to facilitate user adoption and ensure business continuity. With a secure, user-friendly, and fully traceable solution in place, the client was empowered to scale underwriting operations confidently and set the foundation for broader digital transformation initiatives.

The Result

The newly developed underwriting platform empowered the client with a centralized, automated solution that significantly streamlined aviation insurance operations. With real-time data access, dynamic risk scoring, and automated quote generation, underwriters could perform their tasks with greater speed and accuracy. The intuitive dashboards and collaborative policy management tools enhanced productivity across departments, while the seamless integration with existing systems like Salesforce and BI tools enabled smoother data flow and analytics-driven decision-making.

In addition to operational efficiency, the platform brought measurable improvements in regulatory compliance and fraud prevention. Robust audit trails, KYC/AML checks, and automated fraud detection mechanisms ensured secure, traceable underwriting processes. The modern architecture not only reduced long-term software maintenance costs but also positioned the client for scalable future growth. Impressed by the outcome, the client initiated a broader digital transformation initiative and chose to continue its collaboration with eSparkBiz to modernize additional business-critical systems.

Enterprise-Grade Web Application to Automate Underwriting, Ensure Transparency, and Minimize Fraud Risk

Underwriting Automation Software for a Global Aviation Insurance Provider

About The Project