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White-label group life and pension administration software

Launch employer and member portals for group life and pensions, on top of the core you already run.

Beakwise gives insurers, pension companies, banks and TPAs a white-label portal layer built on the Beaksurance platform. Employers, members and administrators get a modern digital experience for group life, occupational pensions and workplace savings, while your existing policy administration, fund administration and payroll stay in place.

Book a Group Benefits DemoRequest a Solution Overview

A 30-minute walkthrough with a solutions engineer. We map your employer, member and administrator workflows to a controlled rollout. No core replacement required.

Built on the Beaksurance group life and pension administration platform.

View the portal architecture

  • Portal layer, no core replacement
  • Payroll and contribution reconciliation
  • Multi-language, RTL-ready
portal.beakwise.com
Production work, not slideware

Proof

The Beaksurance group life and pension administration platform underpins the portals shown on this page. Scope, environments and integration patterns are confirmed during discovery.

4 to 20
weeks to first portal go-live

Scoped first-employer pilot; production rollout follows.

Beaksurance is built for employer, member and administrator portals on top of an insurer or pension provider's existing core systems. The same platform layer carries group life cover, occupational pensions, workplace savings and end-of-service benefit administration.

Definition

What this product is, plainly

Beakwise is a software company whose platform, Beaksurance, provides a white-label group life and occupational pension administration portal. It adds employer, member, and administrator portals on top of an insurer's existing core systems (policy administration, fund administration, and payroll) without replacing them. Insurers, pension companies, banks and bancassurance providers, third-party administrators, benefit administrators, brokers, and large employers use it to digitise group life cover, occupational pensions, and workplace savings across the full lifecycle: onboarding, enrolment, contributions, reconciliation, beneficiaries, statements, claims, and servicing. The platform runs as a portal layer rather than a system of record, supports English, Turkish, French, Russian, and Arabic with right-to-left rendering for Arabic, plus additional languages on request, and deploys as SaaS, private cloud, sovereign cloud, or on premises.

Beakwise is the company; Beaksurance is the platform the portals run on.

Key facts

  • A white-label group life and occupational pension administration portal.
  • Beakwise (the company) builds Beaksurance (the platform).
  • Sits on top of the existing policy administration, fund administration and payroll, not replacing them.
  • Insurers, pension companies, banks and bancassurance, TPAs, benefit administrators, brokers and consultants, and large employers.
  • Group life cover, occupational pensions, workplace savings, and employer-sponsored benefits.
  • Onboarding, enrolment, contributions, reconciliation, beneficiaries, statements, claims, and servicing.
  • English, Turkish, French, Russian and Arabic, with right-to-left rendering for Arabic; additional languages on request.
  • SaaS, private cloud, sovereign cloud, or on-premises.
  • A first-employer pilot typically goes live in 4 to 20 weeks.
  • Maker-checker, immutable audit trails, consent capture and role-based access; no market-specific licensing claim.
  • Turkiye, the GCC and broader Middle East, Africa, Southeast Asia, North Africa, and Latin America.
  • Built on the Beaksurance platform.
The challenge

Group benefits are still administered through spreadsheets, email and fragmented legacy systems

Group life, pension and workplace-savings administration often runs on manual files and disconnected tools. That creates cost, risk and a poor experience for employers and members alike.

Manual employer files

Employers send census files, payroll changes and joiner/leaver data by email and spreadsheet, with little validation.

No member self-service

Employees lack transparent self-service for cover, beneficiaries, contributions and statements.

High servicing cost

Insurers and administrators carry high servicing cost and operational risk from re-keying and reconciliation.

Recurring reform workloads

Pension and workplace-savings reforms create recurring monthly operational workloads that manual processes cannot absorb.

Generic HR tools fall short

Generic HR systems do not understand insurance, pension and contribution rules.

Legacy core gaps

Legacy core systems rarely provide modern employer or member digital experiences.

Solution

One portal ecosystem for employers, members and administrators

A single, role-aware layer gives each audience exactly what it needs, without duplicating your core, pension or fund administration system.

Employer Portal

A controlled digital workspace for corporate clients and their benefits teams.

  • Corporate onboarding
  • Group scheme setup
  • Employee census upload
  • Payroll file ingestion
  • Contribution / premium validation
  • Arrears and exceptions
  • Invoices and payment status
  • Employer dashboards
  • Role-based employer users
Employer enrolment and payroll upload

Employee / Member Portal

A modern self-service experience for covered employees and scheme members.

  • Self-enrolment
  • Personal details and consent
  • Beneficiary nominations
  • Group life cover view
  • Contribution history
  • Fund / account values where applicable
  • Statements and documents
  • Servicing and claims requests
  • Notifications
Member statements and beneficiary update

Administrator Console

An operations cockpit for insurer, TPA and administrator teams.

  • Group setup and rule configuration
  • Maker-checker approvals
  • Exception queues
  • Eligibility and coverage controls
  • Fund / account administration hooks
  • Communications
  • Reporting
  • Audit trails
  • Operational dashboards
Administrator approvals and audit log

We administer and apply the rates your insurer or actuary sets. We do not price or rate the risk.

Product tour

See the portals in action

Step through the employer, member and administrator portals. Click any frame to enlarge it; the full transcript is below.

  1. Step 1 · Employer

    Employer enrols schemes: auto-enrolment pension, group life, income protection, health and key-person cover are configured from one product overview.

  2. Step 2 · Member

    Member adjusts their plan: voluntary top-up, retirement age and growth scenario sliders update the readiness ring and projected fund in real time.

  3. Step 3 · Administrator

    Administrator clears the queue: contribution requests, approvals and exceptions are governed by maker-checker with a hash-chained activity log.

Read the transcript

Transcript

Scene 1: An employer signs in to the Beaksurance Employer Portal and uploads a monthly payroll file. The platform validates contributions against the scheme rules, flags exceptions and reconciles totals against the expected amount. Scene 2: A member opens the Beaksurance Member Portal, reviews their group life cover and contribution history, updates a beneficiary nomination and downloads a statement. Scene 3: An administrator reviews the maker-checker queue, approves a high-value change and the audit log records the approval. Throughout, the carrier's core, fund administration and payroll systems remain in place; the portal layer never replaces them.

Lifecycle

From employer onboarding to member servicing

The platform supports the full group-benefits lifecycle as a connected, audit-ready flow.

  1. 1

    Employer onboarding & corporate KYC

    Onboard the corporate client and capture verified company and signatory data.

  2. 2

    Scheme / product configuration

    Configure scheme rules, eligibility and product parameters.

  3. 3

    Employee enrolment & eligibility

    Enrol members and apply eligibility rules consistently.

  4. 4

    Payroll / census file ingestion

    Ingest payroll and census files with structured validation.

  5. 5

    Contribution or premium calculation

    Calculate contributions or premiums against scheme rules.

  6. 6

    Reconciliation & exception handling

    Reconcile expected versus received amounts and resolve exceptions.

  7. 7

    Member self-service & statements

    Give members visibility of cover, contributions, statements and documents.

  8. 8

    Benefits, claims, payouts & lifecycle servicing

    Service benefits, claims and lifecycle events end to end.

  9. 9

    Scheme renewal

    Apply the insurer's renewal re-rate, true up membership data, and process anniversary changes; the Free Cover Limit is reset and any excess cover above it is re-underwritten by the insurer.

  10. 10

    Reporting, audit & compliance evidence

    Produce reporting and retain audit and compliance evidence.

Capabilities

Built on the Beaksurance platform

Eight outcome-framed capabilities for regulated group life and pension operations, all running on the Beaksurance platform that powers the rest of your insurance business.

Group Life Administration

Configurable cover bases (flat sum assured, multiple of pensionable salary, age-banded multiples, or category formulae) with Free Cover Limit (FCL) administration, non-medical limits, and tele-underwriting / EoI workflows above FCL. Actively-at-work on joiner, terminal-illness acceleration, accidental-death riders, continuation/conversion options on leaver, and FCL re-test at scheme anniversary.

  • Eligibility
  • Cover levels
  • Beneficiary data
  • Evidence of insurability where applicable
  • Claims initiation
  • Policy / member servicing

Occupational Pension / Workplace Savings

Designed for defined contribution (DC) occupational pensions and workplace savings: employer core and matching contributions with configurable match ladders, employee mandatory contributions, AVCs and lump sums, salary-sacrifice payroll integration, vesting (cliff, graded, immediate), fund switching, lifestyle / glide-path / target-date defaults. At retirement: drawdown, annuity quote routing, partial transfers and full encashment. Defined benefit (DB) sections are supported through integration with a specialist DB administration system.

  • Employer & employee contributions
  • Vesting rules where applicable
  • Fund / account visibility
  • Statements
  • Transfers
  • Withdrawals / payouts where applicable

Payroll & Contribution Operations

Per-pay-period file ingestion with mid-cycle joiner/leaver proration, monthly true-up against expected contributions, retroactive corrections with effective-dated reversals and re-posts, arrears with statutory or scheme-rate interest, refund/rebate cycles, contribution holidays (maternity, unpaid leave, sabbatical) with cover-continuation rules, concurrent / dual-employer handling, and a full audit log of every contribution movement at member-month grain.

  • File templates
  • Validations
  • Correction cycles
  • Reconciliation
  • Arrears
  • Audit logs

Employer & Broker Servicing

Role-based access for corporate benefits, HR and finance teams at employers, plus brokers and consultants: employer dashboards, broker/consultant access, commission and fee visibility where applicable, and employer service-case workflows.

  • Employer dashboards
  • Broker / consultant access
  • Commission / fee visibility where applicable
  • Employer service cases

Member Transparency

Member-facing visibility for coverage, contributions, fund values, documents and statements, with consent-based notifications and self-service requests across active, deferred and pensioner member states.

  • Coverage
  • Contributions
  • Documents
  • Statements
  • Notifications
  • Self-service requests

Compliance & Controls

Maker-checker approvals configurable per scheme and transaction type, immutable audit trails at member-month grain, consent capture with timestamped versioning, role-based access with segregation-of-duty matrices, column-level data lineage and reporting-ready data extracts.

  • Consent
  • Audit trail
  • Maker-checker
  • Role-based access
  • Data lineage
  • Reporting-ready data

Integration Layer

API-first integration via REST + webhooks for real-time events, SOAP envelopes where legacy systems require, ISO 20022 messaging for finance and payments, AS2 / SFTP for batch census and payroll, with idempotency keys and outbox / retry patterns for safe writes.

  • Payroll
  • HRIS
  • Core insurance
  • Policy administration
  • Fund managers
  • Custodians
  • Payment providers
  • KYC / AML providers
  • Document systems
  • Regulatory / reporting APIs

White-Label Deployment

Per-tenant theming (logo, colour tokens, domain mapping), tenant hierarchy (carrier → employer → member or TPA → carrier → employer → member), data isolation, per-tenant identity tenant and per-tenant audit segregation across insurer, bank, TPA, pension-administrator and broker/consultant deployments.

  • Insurer-branded
  • Bank-branded
  • TPA-branded
  • Pension administrator-branded
  • Broker / consultant-branded
Platform

This portal layer reuses the same Beaksurance capabilities that run across the rest of your insurance operations.

Why the Beaksurance platform

Why generic HR and legacy insurance systems struggle with group benefits

A fair comparison of where each option fits, including the build-in-house alternative an executive is weighing alongside vendors, and where group-benefits administration needs a purpose-built layer.

Employer group onboarding

Generic HR / payroll tools
Onboards the employer entity but lacks insurance scheme structures: no FCL, no match ladders, no anniversary re-rating.
Legacy insurance / pension systems
Scheme-aware but back-office-only: corporate KYC, signatory verification, scheme setup and census load handled in batch with re-keying.
Build in-house or core modernisation
Custom employer onboarding can be built, but corporate KYC, signatory binding and a scheme-template library are 6 to 12 months of bespoke work per book.
Beaksurance approach
The Beaksurance platform provides native employer onboarding with corporate KYC, signatory binding and a scheme-template library.

Payroll contribution & premium reconciliation

Generic HR / payroll tools
Not designed for premium/contribution reconciliation
Legacy insurance / pension systems
Often batch-oriented and rigid
Build in-house or core modernisation
Payroll ingestion and contribution reconciliation can be built on the core, at the cost of duplicating logic that already lives in a portal layer.
Beaksurance approach
The Beaksurance platform ingests payroll files with structured validation and reconciles contributions and premiums on a configurable cycle.

Beneficiary & coverage changes

Generic HR / payroll tools
Limited insurance-specific handling
Legacy insurance / pension systems
Often back-office only
Build in-house or core modernisation
Member-facing beneficiary self-service can be added to the core, but is rarely a priority on the modernisation roadmap.
Beaksurance approach
The Beaksurance platform offers member and admin self-service for beneficiary nominations with maker-checker controls and jurisdiction-aware rules.

Fund / account visibility

Generic HR / payroll tools
Not supported: no fund prices, no unit holdings, no transaction history.
Legacy insurance / pension systems
Back-office views; members see fund balance via paper or PDF statement on quarterly or annual cycle.
Build in-house or core modernisation
Daily fund and account visibility for savings members typically requires a separate, custom-built member portal.
Beaksurance approach
The Beaksurance platform renders member-facing daily fund and account visibility for savings schemes with transaction history and fund-factsheet links.

Broker & consultant servicing

Generic HR / payroll tools
Not a core use case
Legacy insurance / pension systems
Often limited intermediary access
Build in-house or core modernisation
Broker access tends to remain spreadsheet-based without significant additional development.
Beaksurance approach
The Beaksurance platform gives brokers and consultants dedicated portal access with employer dashboards and service-case workflows.

Multi-language member communication

Generic HR / payroll tools
Varies
Legacy insurance / pension systems
Often single-language
Build in-house or core modernisation
Multi-language support with right-to-left rendering is a separate workstream rather than an out-of-the-box capability.
Beaksurance approach
The Beaksurance platform supports multi-language operation with RTL (Arabic) and SMS / WhatsApp / IVR push for low-digital-literacy member populations.

Audit & compliance evidence

Generic HR / payroll tools
Limited insurance-grade audit: no member-month grain, no maker-checker on insurance-specific events.
Legacy insurance / pension systems
Varies by system; many lack column-level lineage or configurable maker-checker thresholds.
Build in-house or core modernisation
Member-month-grain audit and column-level lineage are achievable, but rarely without a dedicated audit and lineage build.
Beaksurance approach
The Beaksurance platform records every contribution movement and beneficiary change at member-month grain with immutable audit logs, configurable maker-checker thresholds and column-level lineage.

API integration with core, payroll, fund & payment systems

Generic HR / payroll tools
Limited insurance integrations
Legacy insurance / pension systems
Often costly to integrate
Build in-house or core modernisation
API and connector work is owned by the in-house team and adds to the run-rate.
Beaksurance approach
The Beaksurance platform integrates via REST and webhooks, SOAP, ISO 20022 and AS2 or SFTP file ingestion, with named connectors for payroll, HRIS, core insurance, fund administration and payment providers.

When Beaksurance is not the right fit

Generic HR / payroll tools
You only need lightweight HR or payroll plumbing for non-insurance benefits.
Legacy insurance / pension systems
You need a brand-new policy administration system as the system of record, not a portal layer on top of one.
Build in-house or core modernisation
You have a funded, multi-year in-house build with the right group-benefits expertise on the team.
Beaksurance approach
Beaksurance is not the right fit when there is no portal or reconciliation gap to close, or when the customer wants to own the entire administration stack in-house.
Markets

Designed for regulatory-trigger markets

Across emerging and reform-driven markets, pension, provident fund, workplace savings and end-of-service benefit reforms create new recurring administration workloads. The Beaksurance platform is designed to localise employer, member and administrator workflows for those market-specific requirements.

Türkiye

For auto-enrolment and supplementary pension regimes such as BES (Bireysel Emeklilik Sistemi) and OKS (Otomatik Katılım Sistemi): contributor onboarding with national-ID verification, fund selection from regulator-approved fund universes, monthly state-contribution claim files and reconciliation, transfers between pension companies, and regulator reporting hooks. For OKS-style payroll-deduction schemes: employer-side administration covers the deduction percentage, employee opt-out window, vesting clock per member, and bank-distribution channel hooks.

GCC

For Gulf jurisdictions, configurable EOSB gratuity engines per market: jurisdictional formulas (for example UAE Labour Law 21/30-day on basic salary, Saudi gratuity on basic + housing with social-security coordination, Qatar three-week minimum, Bahrain stepped formula, Kuwait, Oman). Supports funded workplace-savings frameworks such as DIFC DEWS and ADGM, the UAE Voluntary Alternative EOSB Scheme with regulator-approved risk profiles including Sharia options, and legacy unfunded-to-funded conversion with opening-balance migration. Sharia-compliant fund universes (AAOIFI-screened), Wakala / Mudaraba fee transparency, purification, and Sharia Supervisory Board reporting. Member portal in Arabic and English (additional languages on request) with SMS, WhatsApp and IVR notifications.

Middle East

Beyond the Gulf bloc, focused administration for the broader Middle East. Coordination with state social-security pension programmes and complementary employer-sponsored life and savings schemes; supplementary employer end-of-service indemnity tracking; support for state pension reforms and emerging private pension fund frameworks with in-country residency. Arabic and English member portals (additional languages on request) with SMS, WhatsApp and IVR. Employer payroll integration with jurisdiction-aware deduction rules, statutory contribution ceilings, and vesting where applicable.

Africa

Implementation-ready architecture for group risk, umbrella funds and retirement administration, with member transparency and contribution / withdrawal workflows.

Southeast Asia

For Southeast Asian retirement and provident-fund regimes, for example Malaysia PRS, Singapore CPF top-up, Indonesia BPJS Ketenagakerjaan supplementary schemes and Thai PVD: administration covers default and core fund splits, employer voluntary contributions, member tax-relief reporting, employer-trustee workflows, and Takaful-compatible fund universes where applicable. Payroll deduction is the primary contribution channel; member statements localised per jurisdiction.

North Africa

Designed to support group life, private insurance funds and corporate benefits, with Arabic/French operations and digital insurance distribution.

Latin America

Implementation-ready architecture for group life, voluntary retirement and employer benefits, with payroll-linked administration and intermediary/broker-led distribution.

The Beaksurance platform does not claim licensing or statutory compliance in any specific market. Market-specific configuration packs and implementation validation determine final regulatory alignment.

Right-to-left support

RTL support, in production

The Member Portal renders right-to-left for Arabic. Same data model, same workflows, locale-correct layout.

Supported languages
  • enEnglish
  • trTürkçe
  • frFrançais
  • arالعربية
  • ruРусский
  • + more on request

The employer, member and administrator portals all render in the locale you select, with locale-correct dates, numbers and documents. Arabic mirrors the entire layout right-to-left. Additional languages can be added on request.

Right-to-left, in production
تجربة كاملة من اليمين إلى اليسار في بوابات صاحب العمل والعضو والمسؤول.
A full right-to-left experience in the employer, member and administrator portals.
Architecture

Reference architecture

Three layers (channels, platform and connected systems) keep the portal experience consistent while integrating with your existing landscape.

Channels

  • Employer portal
  • Employee/member portal
  • Broker/consultant portal
  • Administrator console
  • Mobile app

Platform layer

Beaksurance
  • Identity and access
  • Workflow orchestration
  • Product/scheme rules
  • Contribution/premium engine
  • Document and communication services
  • Audit and reporting
  • Integration APIs

Connected systems

  • Core insurance / PAS
  • Pension/fund administration
  • Payroll / HRIS
  • Payment providers / banks
  • KYC/AML / identity
  • Fund managers / custodians
  • Regulatory/reporting systems

Channels give employers, members, brokers and administrators role-appropriate access. The Beaksurance platform layer handles identity, workflow, product and scheme rules, the contribution and premium engine, documents and communications, audit and reporting, and integration APIs. Connected systems (core insurance/PAS, pension and fund administration, payroll and HRIS, payments, KYC/AML, fund managers and custodians, and regulatory reporting) integrate through that layer rather than being replaced.

Security and compliance

Built for insurer and bank security review

The Beaksurance platform is designed to pass enterprise security, privacy and procurement review. Detailed documentation is available in our Trust Center and under NDA.

Certified Baseline In progress Always on RoadmapHonest status tags. Independent attestations are shared under NDA.
  • ISO 27001 information security Certified

    Certificate of registration available on request.

  • ISO 9001 quality management Certified

    Certificate of registration available on request.

  • SOC 2 Type II In progress

    External audit engagement underway; Type I attestation available under NDA.

  • ISO 27701 privacy information management Roadmap

    Extension of the certified ISO 27001 ISMS; scheduled to follow the SOC 2 audit cycle.

  • GDPR and regional data-protection Baseline

    DPA and Standard Contractual Clauses available on request.

  • TLS 1.2+ in transit and AES-256 at rest Always on

    Baseline encryption posture, every environment.

  • SSO and SAML 2.0, SCIM, OIDC, RBAC, MFA Always on

    Tenant identity wired in by default.

  • Immutable audit logs, consent capture, maker-checker Always on

    Member-month grain on contributions and beneficiary changes.

  • Independent penetration testing, annual cadence In progress

    Latest report shared under NDA.

  • Target 99.9% uptime, DR with stated RTO and RPO, BCP In progress

    Service-level commitments formalised at contract.

Security incident notification within 72 hours of confirmation, in line with GDPR and applicable regional regulations.

Data residency by region

In-country or in-region data residency, with sovereign cloud and on-premises options. Insurers in these markets will not proceed without this.

  • Turkiye: KVKK (Law 6698)
  • GCC: DIFC Data Protection Law 2020 and ADGM Data Protection Regulations 2021
  • West Africa: NDPR (Nigeria, 2019)
  • Southern Africa: POPIA (South Africa, Act 4 of 2013)
  • European Union: GDPR
Visit the Trust Center Download the Architecture and Security Brief Request our security questionnaire pack (CAIQ / SIG)Responsible disclosureSub-processorsSystem status

Customer references and reference calls are available under NDA on request.

Coverage

Supported scheme types

Group life and defined-contribution schemes are administered natively. Defined-benefit schemes are supported through integration with a specialist DB system that remains the system of record for DB liabilities.

Supported scheme types
AttributeGroup Life (risk)DC occupational pensionWorkplace savingsDefined-benefitEOSB / gratuity
Cover basisFlat sum assured, multiple of salary, age-banded or category formulaMember-defined-contribution accrualEmployer + member contributions to a savings vehicleDefined formula (final salary, career average) administered upstreamStatutory formula on basic salary or basic plus housing
FundingRisk premium to insurer (unit rate per mille / age-banded), experience-rated at renewal.Funded; contributions invested per memberFunded; employer and member contributionsFunded; deficit / surplus tracked upstreamFunded scheme natively; statutory gratuity tracked as accrual
UnderwritingFree Cover Limit, evidence of insurability above FCL, actively-at-work on joiningNone at the contribution layerNone at the contribution layerNot applicable at this layerNot applicable
VestingNot applicableScheme rules; immediate or gradedScheme rules; immediate or gradedDefined by scheme rules upstreamStatutory accrual; service-based
DecumulationLump sum on claimDrawdown, annuity, or transfer at retirementLump sum on leaving service; transfer or cash-out where the scheme or market permits.Pension in payment administered by the DB systemLump sum on contract end per statutory formula
System of recordCarrier policy administration systemBeaksurance, with member-level accrual ledgerBeaksurance, with member-level balance and transaction historySpecialist DB administration system (via integration)Beaksurance for funded; for statutory, the employer ledger is authoritative and Beaksurance tracks the statutory accrual.
Support levelNativeNativeNativeVia integration; portal experience over the DB systemNative for funded and voluntary; accrual tracking for statutory
Scope

What we do not do

A portal and administration layer is a different lane than rating, reserving and the policy system of record. Knowing what is out of scope speeds the discovery conversation.

  • We do not price or rate the risk; we administer and apply the rates your insurer or actuary sets.
  • We do not perform actuarial valuation, reserving, or IFRS 17 measurement.
  • We do not hold the policy system of record; the carrier's policy administration system remains authoritative for policy data.
  • We do not perform reinsurance or coinsurance pricing or settlements.
  • We do not replace the core; this is a portal and administration layer that sits on top.
  • We do not hold an insurance, pensions or fund-management licence; market-specific licensing remains the customer's responsibility.
Implementation

Start with a controlled portal rollout, then scale

A focused first release can be scoped around a specific employer group, scheme type or portal journey.

  1. 1

    Discovery & workflow mapping

    Map current employer, member and administrator workflows.

  2. 2

    Country / localisation pack

    Apply market-specific configuration where required.

  3. 3

    Portal configuration

    Configure employer and member portals, roles and scheme rules.

  4. 4

    Payroll / integration setup

    Connect payroll, HRIS, core, fund and payment systems.

  5. 5

    Pilot employer group or scheme

    Run a controlled pilot with a defined group or scheme.

  6. 6

    Data migration / member import

    Migrate or import member and scheme data.

  7. 7

    UAT & operational readiness

    Validate workflows and prepare operations.

  8. 8

    Production rollout

    Move the pilot scope into production.

  9. 9

    Expansion

    Extend to additional employers, products or markets.

Deployment options

SaaS Private cloud Sovereign cloud On-premises / hybrid where required

Typical first portal release: 4 to 20 weeks for a single-employer pilot; full multi-scheme production rollout in 6 to 9 months. Final timelines and scope validated during discovery.

Commercial model

Indicative commercial model and a de-risked first release

A budget-accountable buyer needs a directional cost signal and a credible first-release path before committing to a procurement cycle.

Indicative pricing

  • A platform fee, sized to the carrier or administrator footprint.
  • Per-scheme or per-member-per-month, depending on which lever fits the book.
  • "From" pricing on request, scoped at discovery; binding pricing in the commercial proposal.
  • No multi-year lock-in for the pilot release; production rollout commits the term.

Final pricing depends on scheme count, member count, deployment model, and the integration scope agreed at discovery.

De-risked first release

  • One employer group, one product line, one country, taken end to end.
  • 4 to 20 weeks from kick-off to controlled go-live.
  • Clear acceptance criteria agreed in week one: enrolment, contribution reconciliation, beneficiary update, and a statement run.
  • Defined exit ramp at the end of the pilot if the criteria are not met.

Production rollout follows on commercial terms agreed at the pilot acceptance gate.

By buyer

Use cases by buyer

How different buyers use the portal layer.

For insurers

Pain
High servicing cost and limited digital experience for group life and pensions.
How the portal helps
Adds employer and member portals on top of existing core, with administrator controls.
Why the Beaksurance platform
White-label layer that integrates with your core rather than replacing it.

For pension administrators

Pain
Recurring contribution and reconciliation workloads.
How the portal helps
Structured payroll ingestion, reconciliation and member self-service.
Why the Beaksurance platform
Purpose-built for occupational pension and workplace-savings operations.

For banks / bancassurance

Pain
Group benefits distributed without a modern digital channel.
How the portal helps
Bank-branded employer and member portals with payment integration.
Why the Beaksurance platform
MoneyIO and BIG support collections, payments and embedded distribution.

For brokers / consultants

Pain
Manual servicing of employer clients and members.
How the portal helps
Dedicated broker access, employer dashboards and service cases.
Why the Beaksurance platform
Intermediary-friendly portal layer with controlled access.

For TPAs

Pain
Operational risk from re-keying and fragmented tools.
How the portal helps
Administrator console with maker-checker, exceptions and audit trails.
Why the Beaksurance platform
Configurable, multi-tenant white-label administration.

For large employers

Pain
Manual census, payroll and beneficiary management.
How the portal helps
Employer workspace plus member self-service and statements.
Why the Beaksurance platform
Reduces administration effort and improves member transparency.

Frequently asked questions

It is a portal ecosystem that lets employers, employees and members and administrators manage group life cover, occupational pensions and workplace savings, including onboarding, enrolment, contributions, beneficiaries, statements and servicing, on one platform that runs on top of your regulated insurance operations.

Glossary

Group benefits, plainly

Short, working definitions for the terms used most across this page.

Free Cover Limit (FCL)
The cover level a member can receive without underwriting evidence; cover above the FCL is medically underwritten.
Evidence of insurability
Medical or non-medical underwriting evidence required for cover above the FCL or for non-standard enrolments.
Actively-at-work
A confirmation that a joining member is actively performing their normal duties; a precondition for cover commencement.
Vesting
The point at which an employer-contribution balance becomes the member's own, independent of continued service.
AVC
Additional Voluntary Contribution; an extra member contribution above the scheme baseline.
Salary sacrifice
An arrangement where the member gives up part of gross salary in exchange for an employer contribution to a pension or savings scheme.
Lifestyle glide-path
A default investment strategy that de-risks the member's fund allocation automatically as the target retirement date approaches.
Deferred member
A former active member whose accrued benefit remains in the scheme after they leave the employer or stop contributing.
Normal retirement date
The scheme-defined date at which a member can take their accrued benefit without an early-retirement penalty.
Transfer value
The cash-equivalent value used to move a member's accrued benefit to another scheme or arrangement.
EOSB / gratuity
End-of-service benefit; a statutory lump sum paid on contract end in several jurisdictions, sometimes funded, sometimes on the employer balance sheet.
Decumulation
The phase in which accrued benefits are paid out, by drawdown, annuity, or lump sum.
Maker-checker
A two-person approval pattern where a different role authorises every materially significant change.
Contribution schedule
The agreed file or message that lists per-member contributions for a given pay period, used as the basis for reconciliation.
Census file
A periodic file containing the full eligible-member population and key data (joiners, leavers, salary, status) for a group.
Waiver of premium / continuation option
A rider that continues or converts cover on disability or on leaving service.

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