Digitally-enabled and data-driven distribution,
underwriting, and operations.

Tailored products delivered at speed across the widest range of channels and markets, giving you unprecedented
control and a clear competitive advantage.

Everything your business needs in a single platform, with the flexibility and versatility to meet any insurance
demand – today and tomorrow.

Platform overview.


Underwriting & policy admin.

Self-servicing & claims.

Platform & product management.


Analytics & insights.





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Platform capabilities.

Front-end platform

Distribution portal.

Multi-channel, multi-product

Supports agency, broker, affinity, bancassurance and direct distribution of commercial, individual and specialty lines.

Tailored look & feel

Customised for different distribution partners, channels and customer segments, offering a unique sales experience to the targeted audience.

Global reach

Distribute across multiple regions, with ability to support localisations in each market (tax, fees, currency, language, regulations etc.).

Digital quote & bind

Digital journey supports quick quote, full quote, save and retrieve quote, upload of documents and capturing of sales leads. Tailor the journey for specific products.

Reflexive underwriting

Only the relevant facts will be asked of the customer, providing a more succinct and appealing purchase journey.

Premium calculation

Premium calculation is done dynamically in the front-end without any calls out to remote servers, with variables that can be easily configured.


Supports different types of annual and recurring payments including credit card, wire transfer, cheque and more.

Platform agnostic

Supports all browsers and mobile operating systems to enable an omni-channel sales experience.

Product catalogue

Access product highlights, display product cards and associated products with customer needs to drive a targeted sales experience.

Customer support

Live chat, online help, offline contacts, access supporting documents, contact enquiries and more.

Pricing flexibility

Discounts, premium loading, fees, promotions and risk embargos can be instantly applied / made effective at a given date or time.


Customers can be authenticated by OTP for accessing quotes, invoices and claims. Sales agents can be authenticated to apply access control to customers’ quotes/policies.

Certificates & correspondence

Customers receive policy certificates and other supporting documents by email. Quote documents can also be generated and sent to the customer.

Saved quotes

Customers can receive an e-quote which can be accessed through a link to allow the customer to continue the buying journey.

Front-end platform

Underwriting and administration portal.

Manual underwriting

Supports manual/extended underwriting (i.e., rejection, exclusions, limitations and premium loading), assistance with payment or any other control which may be needed in the workflow such as an AML check.


Issue invoice, issue payment continuation link, record manual collection, setup recurring payment schedule, issue refund.

Search, sort & view

Search, list and view accounts and individual policies. View history of changes.

Policy administration

Efficiently underwrite and manage customer accounts, quotes and the full policy lifecycle at a single customer or portfolio level.


Renewal quotes can be issued from existing policies, and renewal notifications can be issued to customers with continuation link. Renewal reminders can be scheduled.


Risk / premium bordereau, claims bordereau, raw data extracts and management dashboards with an aggregated views of key performance metrics.


Amend, endorse, cancel, terminate, and lapse policies.

Task management

A task can be manually or automatically created and assigned following events in the platform. Users can manage task status and link these to other events.

Account management

All Quotes, policies, invoices and claims are associated with a customer account and provide a full customer view. Documents and notes can be managed at account and policy level, with cross and upsell opportunities across different lines of business within a 360-customer view.

Claims registry

View or record claim type/loss, claimant details, uploaded documents, loss details, claims status.

Front-end platform

Self-servicing & claims.


Allow customers to access their existing policies online, make key policy endorsements and access related services (e.g. Find Clinic for medical policyholders).


Customers can lodge claims, upload supporting claims documentation, and follow status updates / decisions.

Front-end platform

Platform and product management.

Product manager

Build and manage products and the rules governing the full lifecycle of policies. Product definitions include rating and underwriting criteria and may also callout to external rating, sanction or embargo services.

Workflow management

Configure highly scalable and easily extensible workflows to govern / automate processes. Includes many pre-defined workflows that follow common insurance practices and is easily configured where required.

Channel management

Set up and manage customer segments and distribution channels.

Notifications and scheduling

Manage notifications and associated schedules.

Document & template management

Templates used for generating documents and emails (e.g. policy certificates) can be managed in the platform.

Our core

Core product builder and engine.

Identity and access management (IAM)

Login controls and manage access with users, roles, permissions, channels and channel structures.

Flexible hosting options

Built to run in multi-tenant cloud, single tenant cloud or on premises. This allows maximum flexibility for deployments as well as meeting customer needs with regards to regulation and existing IT infrastructure.

Supporting services

Audit, number sequencing for policy numbers / invoices, add notes, upload supporting documents and more.

Product engine

Comprehensive product engine provides product definitions that hold all the facts and rules that govern the full lifecycle of a policy.

Workflows and notifications

Automated workflows and notifications that will streamline and optimise operations.

Our core

Analytics & insights.

Data analytics & insights

Sophisticated data analytics provide insights into product development, pricing, actuarial science, reinsurance, portfolio management and support cross and upsell capabilities.

Our core



Standard authentication can be supplemented with integration to external authentication services, e.g. SSD Active Directory.


Integration with CRM systems including Salesforce / Odoo / NetSuite / Dynamics / Zoho.

Payment gateway

Nominated payment gateways, such as PayPal.


Ledger integration includes: Oracle / iBAIS / JBS / Xero / NetSuite / Odoo / Sage / Zoho Invoice / QuickBooks.

Carrier policy admin

Client-specific administration systems.


BI integration incl: DWH / QlickView / Tableau / Power BI / Oracle BI / Domo/ SAS Analytics / Cognos Analytics.

Claims processing


Rating/Pricing engines and databases

Comprehensive product engine provides product definitions that hold all the facts and rules that govern the full lifecycle of a policy.

Supporting services

Example: Google Maps


Can the platform support any product?

The Uncharted platform is product, channel, and segment agnostic. That means our product definition can support any insurance product (Life, P&C, specialty, A&H) and we can expose these products through any channel and any segment. The architecture enables a multi-product purchase experience for customers, with cross/up-sell opportunities across different lines of business.

How does the platform support products?

Product definitions are managed in an open standard file format (not a database schema), so the file can easily host any product characteristics and rules. As long as the product engine can interact with the product definition, the product is instantly made available (exposed) for distribution channels and any other front-end applications. Front-end applications will need to follow product engine upgrades, and other adaptations may be required to support some new characteristics that products may introduce.

How is a product changed in the system?

Put simply, the product definition is edited and saved as a new version. The effective product period (start and end date) is specified on the new version of the definition. The new version is marketable and can be bound from start date. The previous version of the product is still active for servicing after the end date, assuming there are enforced policies associated with it.

How long does it take to load a new product or make changes to an existing product?

A simple product can be loaded in two days, a moderately complex product in five days, and a complex product in 10 days. Making changes to an existing product (eg, rate changes, or coverage limit changes) takes between two hours and 48 hours, depending on the complexity – and assuming there are no structural changes to the product.

How are workflows managed?

The platform is based on an event-driven microservice architecture that promotes production, detection, consumption
of/reaction to events. This architecture facilitates fully customisable, highly scalable, and easily extensible workflows with efficient handling of cross-cutting concerns by decoupled systems. Workflows in this context are simply defined as the ‘processing and action’ following a pre-defined event. Examples are:

  • Upon policy binding, ‘generate certificate’

  • Upon certificate generation, ‘send emails with certificate’

The platform includes many pre-defined workflows that follow common insurance practices and are easily configurable where required.

What are the deployment options for the platform?

Three options are available, enabling the platform to fit any requirement:

  • SaaS multi tenant – in this mode, the customer shares the cluster with others and the platform uses its multi-tenancy and identity and access management (IAM) functionality to segregate the data.

  • SaaS single tenant – If there are issues running in a shared environment, we can deploy and manage a customer=specific environment in a separate cloud account. This is the recommended option for customers when server location is important.

  • On-premise/customer-managed cloud – If a customer is unable to use a SaaS model, the platform can be deployed and operated by the customer either in an on-premise data centre or in a customer-managed private or public cloud environment.

How does the platform handle data and gain actionable insights?

Data is continuously gathered and processed to generate business value. Web analytics provide customer and user insights, and to continuously refine the experience and offering at point of sale. All data captured though distribution, claims and servicing is used for basic operational reporting, while added value is provided by our ability to offer insights into product development, pricing, actuarial science, portfolio management, and cross/upsell opportunities.