Know which policies are likely to pay their way, before you set the price.

No. Zoral reads what it needs from them, adds model scores, document checks and workflows, and returns results through documented interfaces. The price and the policy record stay where they are today. A sensible first step is one book where early cancellations or unprofitable renewals cost most. You decide how far to go after that.

They work alongside your actuaries. The models estimate how individual quotes and policies are likely to behave. Your pricing team decides whether and how those estimates, or risk grades built from them, enter the rating structure. Where we have implemented such models for an insurer, their scores were inputs to its pricing model and its pricing team kept the price. Each model is compared with your current models on your own history before release. Your actuarial and model risk functions sign it off.

Acquisition costs are paid when a policy is sold, so a customer who cancels or does not renew rarely repays them. Knowing at quote who is likely to stay helps you price new business for its likely lifetime value, focus acquisition spend on channels that bring lasting customers, and offer better service at renewal. Your pricing engine sets the price and applies the pricing rules, including those on renewal pricing. Zoral’s scores and decisions feed it, and each one is stored with its inputs and reasons.

Each score and decision Zoral supplies to a quote, renewal offer or retention action is stored with its inputs, the rule and model versions in force and its reasons. Value, price and outcomes can be compared by customer group and channel, including customers who may be vulnerable, for your product governance and fair value reviews. You choose which reasons brokers and customers see. A customer who asks for human review of an automated decision reaches a named person with the complete file. The obligations remain yours. Zoral keeps the evidence.

No. A flag sends the application or claim to a named investigator with the evidence behind it. The flag is a reason to look closer, not a finding. Decisions to cancel a policy, or to decline or reduce a claim, are taken by your people under your policies. Cases that clear return to normal handling, and each step is recorded.

Agents support named teams. They collect and summarise documents, chase missing items, draft letters and file notes, and answer status questions from brokers and customers. They are configured to your policies and workflows, act only through the permissions, workflows and approvals you set, and what they do is recorded. Agents do not make underwriting, pricing or claims decisions. Those decisions follow rules and models your company approves or are taken by your people, and accountability stays with you.

Zoral fOS supports Takaful structures alongside conventional products: contributions rather than premiums, participants’ and operator’s funds kept apart, and separate rules, documents and reporting, configured to your model. Your Shariah board remains the authority; Zoral provides the configurable structures and the evidence trail for its review.

Brokers face the same economics: acquisition costs up front and a renewal book that has to repay them. Brokers can use the same renewal, cancellation, fraud and payment-risk models on their own data, compare claims likelihood with the prices panel insurers charge, and run portals for producers and clients. MGAs can configure the underwriting authority their insurers delegate, with referrals and records for insurer review.

Zoral works on both sides. It runs credit decisions for lenders and has built insurance cross-sell models for clients in retail banking, mortgage lending and mobile lending. Cover can be offered at the point in the journey where it is relevant, after eligibility checks and a record of the customer’s needs, and separately from the credit decision. Take-up, cancellations and claims are tracked by product, so your fair value reviews show whether the cover works for customers. You and your insurer partners keep responsibility for how insurance is sold.

Yes. Data built for administration often lacks common references between quotes, policies, claims and payments. Records may also be updated after the sale. The first piece of work checks and links your data, shows where gaps weaken the models, and sets data-quality controls. Zoral Data Fabric then keeps a record of what was known at each quote. In our experience, once the data is linked, each later model is much quicker to build and tune. Data sources are limited to what you hold and what your data protection officer approves.

Zoral runs on AWS or Azure in your chosen region, or in your own data centre, and is designed for high availability. Zoral Document Fabric, which reads your documents, runs in your own AWS or Azure account, or your private cloud, in your region and under your control. Predictive models are built and run within that environment. You choose the language models used by AI agents. They connect through a standard interface (MCP), within the environments and agreements you control. Our controls are independently audited under SOC 2, with details on the Zoral Trust Portal. Architecture documentation is available under a confidentiality agreement.

Start with one book and the decision that costs most, such as mid-term cancellations or renewals in motor or home. Models are proved on your historical data, alongside your current ones, before any score is used in your pricing. Further steps follow in regular releases. We give a realistic plan after scoping the work with you. Zoral can run and support the platform for you, your own technology team can run it, or we share the work and hand over as your team grows. Your people run underwriting, claims and distribution.

Your data, model definitions, product rules and audit history remain yours and can be exported in standard formats. Zoral is an independent specialist, founded in 2004, with over 100 projects and 350+ years of combined experience, and our platform is our own. We have worked with clients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and Thailand, and we have a long-standing relationship with KPMG.

Atelier, Zoral’s consulting and implementation team, works with your teams and, where you choose, with your advisers and systems integrators. The same team includes data specialists who bring policy, claims and payment data together for the models that feed your pricing.

Data, AI & Automation · Customer lifecycle and collections