1) Introduction: The great insurance dilemma (fortress vs race car)

Every insurer has a familiar Monday-morning moment. Sales wants to launch a usage-based scooter product by Friday to catch a trend before it turns into a "remember 2024?" trivia question. The Chief Actuary wants confidence that pricing and reserving are correct. The CIO wants confidence that adding one new product rule will not trigger a chain reaction that ends with "temporary manual workaround" living in production for the next three years.

This is the great dilemma of modern insurance:

• You need rock-solid stability because you are a regulated financial institution. You must manage policies, billing, claims, reinsurance, and financial controls with very little tolerance for surprises.

• You also need speed because customers, agents, and partners expect instant digital experiences and frequent product iteration.

For years, the industry tried to solve this by forcing one system to do everything. It rarely ends well.

We believe you should stop choosing. The better answer is two specialized platforms working together:

• Fadata INSIS as the System of Record (the fortress)

• Beaksurance Suite as the Digital Experience and Innovation Layer (the race car)

We call this approach a Digital Twin architecture: the core remains the single source of truth, while the digital layer delivers high-speed journeys, orchestration, and intelligence without turning the core into a customization museum.

2) The foundation: What a core system should be (and why INSIS fits that job)

In this architecture, the core system has a very specific role. It is not there to impress your marketing team. It is not there to be "fun." It is there to be right.

A modern core must do three things exceptionally well:

A) Be the unimpeachable source of truth

When a regulator, auditor, reinsurer, or finance team asks a question, you need one answer. Not "it depends which portal you checked." INSIS is built to manage end-to-end insurance processes across major lines of business and core operations, including policy administration and related financial processes.

B) Handle the hard insurance math without drama

Your digital layer should not be doing actuarial calculations at 2 AM because someone found a rounding issue in production. A core platform earns its keep by reliably supporting:

• product configuration and rating logic

• policy lifecycle processing

• financial calculations that must remain consistent over time

When a premium is calculated today, it must match the policy document tomorrow, and it must reconcile with billing and accounting later. That consistency is not glamorous, but it is the difference between a stable insurer and a nervous insurer.

C) Carry the heavy operational load (quietly)

The "boring" backend work is where many modern-looking systems struggle once volume, complexity, and audit expectations show up. INSIS includes modules and capabilities across core insurance operations such as:

• billing and collections

• claims management

• configurable product and process support

There is also a practical credibility signal here: INSIS has visible industry recognition in areas like billing systems, and it appears in widely used market review ecosystems where insurers evaluate core platforms.

In our Digital Twin approach, we let INSIS do what it does best: be the stable engine room. Everything else can move faster because the engine room stays calm.

3) The acceleration layer: What the digital layer should do (and why Beaksurance exists)

If INSIS is the engine, Beaksurance Suite is the cockpit, the orchestration, and the "make it usable for humans" layer.

The digital layer focuses on the messy, non-linear reality of how insurance is actually sold and serviced:

• customers change their minds

• brokers submit imperfect data

• partners want APIs, not PDFs

• staff need visibility, not ten systems and a prayer

Beaksurance is designed to wrap around the core and deliver that reality without forcing you to rebuild the core every time the market sneezes.

End-to-end orchestration with CJTM

Insurance is not a single transaction. It is a sequence of handoffs and decisions. Our Customer Journey and Task Manager (CJTM) turns core transactions into real workflows:

• intake, triage, assignment, referrals

• SLAs, escalations, and task routing

• consistent execution across channels and teams

Instead of "the process is in people's heads," the process becomes visible and measurable.

A 360-degree view for staff and distribution

Core systems see policies and transactions. People-facing teams see relationships, context, and history. Beaksurance delivers a consolidated view through our Customer Data Platform (CDP) approach, so agents and operations teams can work with context instead of opening five tabs and guessing which one is current.

Connectivity through the Embedded Insurance Gateway

Modern distribution is not a single channel. It is a network. Beaksurance provides an API-first integration door through the Embedded Insurance Gateway (BIG), enabling banks, retailers, aggregators, and ecosystem partners to quote, bind, and service policies without directly exposing the core.

This is how you get growth without giving your IT team permanent heartburn.

Embedded intelligence (AI, copilots, and decision support)

AI is useful when it reduces manual effort and increases decision quality, not when it generates more text for people to ignore. In Beaksurance, AI can be used to support workflows such as:

• summarizing documents and notes

• highlighting anomalies and missing information

• assisting staff with next-best actions and decision rationale

The goal is simple: less time spent on noise, more time spent on judgment.

4) The Digital Twin synergy: A clear division of labor that insurers can actually live with

Integration projects often feel like duct-taping two languages together. A Digital Twin architecture avoids that by being explicit about roles and data ownership.

How it works (in plain terms)

1. INSIS remains the Golden Source. It holds the financial truth, policy truth, and the outcomes that must be auditable.

2. Beaksurance acts as the Digital Twin. It provides high-speed experiences, orchestration, and intelligence. It can cache and organize the information needed for digital journeys, then sync back to the core when a transaction must be committed.

The benefits your teams feel immediately

Speed to market

Configure products in the core, then deliver them through digital channels without rebuilding front ends every time. Launch faster, iterate more often, and stop treating every product change like a mini-migration.

A clean separation between "stable" and "changeable"

You can continuously improve portals, journeys, and automation without touching the parts of the system that must remain stable and auditable.

A single user experience

Users do not need to live in the core UI. Agents, customers, and staff work in Beaksurance. The actuarial and accounting heavy lifting stays in INSIS. This is how you avoid the classic situation where "we modernized" really means "we added another screen on top of the old screen."

5) Why this architecture wins (the strategic argument)

Insurers know they need to move. Many are stuck because every path looks risky. This architecture changes the math by solving three fundamental problems.

A) It reduces the "heart transplant" risk

Replacing a core system is often compared to performing surgery while running a marathon. It is expensive, complex, and full of hidden dependencies.

A Digital Twin approach lets you modernize the digital experience layer first and deliver visible value in months, while the core evolves methodically in parallel. You do not have to wait years to show progress.

B) It respects the two-speed reality of insurance

Consumer expectations move fast. Actuarial and financial truth must move carefully. If you couple them tightly, your mobile app gets held back by your billing engine. If you decouple them, you can innovate where it matters and remain stable where it counts.

C) It stops the most expensive habit in insurance IT: customizing the core forever

The most expensive code you will ever write is custom logic inside a legacy core that you cannot easily upgrade.

This architecture moves custom workflows, journeys, and experience logic into the Beaksurance layer, where change is easier, safer, and more testable. It keeps the core cleaner and makes upgrades less dramatic.

Fewer heroic projects. More predictable progress.

6) What usually goes wrong (and how to avoid it)

A Digital Twin architecture is powerful, but it needs discipline. Here are the common failure modes we actively design against.

Pitfall 1: The "shadow core" problem

If teams start storing authoritative data in the digital layer, you end up with two truths. That is where audit headaches are born.

How to prevent it

• define "system of record" ownership clearly (INSIS owns the truth)

• treat the digital layer as experience, orchestration, and intelligence

• keep a clean data governance model and reconciliation rules

Pitfall 2: Integration sprawl

If every partner integration becomes a one-off, speed disappears.

How to prevent it

• use consistent integration patterns

• standardize APIs and partner onboarding

• create reusable connectors and shared service components

Pitfall 3: "We modernized the UI, but nothing got faster"

A nicer portal that still triggers manual work in the back office is a morale problem disguised as a digital program.

How to prevent it

• modernize journeys end-to-end, not screen-to-screen

• design workflows around measurable outcomes (cycle time, touch count, conversion)

• embed orchestration (CJTM) and automation early

7) A practical rollout model (value first, then expand)

Most insurers do better with an incremental approach that builds confidence and momentum.

Step 1: Pick one journey that everyone feels

Examples:

• a high-volume retail product

• a broker quote-to-bind flow

• a claims FNOL journey

Deliver a measurable improvement quickly. This creates trust.

Step 2: Expand the digital layer across channels

Add:

• agent and broker portals

• partner APIs

• customer mobile experience

• staff workbench views and orchestration

Step 3: Standardize reusable patterns

Create building blocks:

• shared integration and data enrichment patterns

• reusable workflow templates

• consistent identity and access controls

• governance and audit logging

Step 4: Scale to more complex products and operations

Once the model is proven, expand to:

• commercial and specialty lines

• more complex billing and collection flows

• reinsurance-heavy portfolios

• advanced AI decision support where it truly helps

8) Conclusion: The blueprint for the intelligent insurer

Modern insurers are being asked to do two things that naturally conflict:

• be as secure and reliable as a bank vault

• be as fast and adaptive as a modern digital platform

The history of insurance technology suggests you have to pick one. We disagree.

You need a fortress to protect your data and your solvency. That is Fadata INSIS.

You need a race car to win customers and outpace competitors. That is Beaksurance Suite.

Together, they help you stop fighting your own infrastructure. You stop having meetings about why the legacy system cannot support a new product launch. You start having meetings about what you want to build next.

See it in action

Theory is fine, but seeing is believing. We invite you to a live demonstration of the INSIS + Beaksurance integration. We will walk through the practical mechanics of configuring a product in the core and launching it through modern digital channels with a clean division of responsibilities.

Schedule Your Architecture Demo

About the Author

Haldun Aydoğdu is CEO at Beakwise, focused on insurance technology transformation and AI-powered operating models for carriers across the MENA region and beyond.