Real-Time Intelligence for Insurance
Unify policy, claims, risk, and AI on a single real-time data platform to underwrite faster, detect fraud instantly, and operate with continuous regulatory confidence.
Trusted by leading insurance and financial institutions
Usage-based pricing, embedded insurance, and digital-first distribution are compressing underwriting and claims cycles from days to seconds. As policies become dynamic and event-driven, insurers must price, score, and respond in real time - or risk margin erosion and customer churn.
Machine learning models are no longer confined to actuarial back offices. They now score claims, detect fraud, optimize reserves, and guide agents in live conversations. This shift from retrospective analysis to in-line decisioning raises the bar for data freshness, scale, and auditability.
Solvency, IFRS, and state-level reporting demands require increasingly granular, timely, and explainable data. As product complexity grows, so does the need for unified, auditable views of exposure, reserves, and risk across lines of business and geographies.
Fragmented data slows underwriting and claims
Policy, billing, claims, telematics, and actuarial systems operate in silos. Data is batch-synced into warehouses, creating delays that hinder instant underwriting, real-time fraud scoring, and accurate loss visibility.
What’s needed:
A unified platform where transactional and analytical workloads operate on the same live data without replication or batch latency.
Stale data weakens fraud and risk controls
Fraud engines and risk models often rely on delayed extracts or partial context, limiting their ability to detect anomalies at the moment of claim or policy change.
What’s needed:
Millisecond access to full historical and real-time context so models evaluate claims and transactions as they occur.
Scale and concurrency break legacy systems
Peak events - catastrophes, renewal cycles, regulatory reporting deadlines - drive sudden surges in claims submissions, queries, and model runs, overwhelming point solutions.
What’s needed:
Elastic scalability and high concurrency performance to support thousands of users, services, and AI agents simultaneously without degradation.
Operational and analytical workloads compete
Core systems handle policies and claims, while separate environments handle actuarial analysis and reporting. Moving data between them increases cost, complexity, and inconsistency.
What’s needed:
A single engine capable of supporting both high-throughput transactions and complex analytics with consistent, governed data.
AI initiatives stall in production
Proofs of concept succeed in isolated environments but fail to scale due to data movement, governance concerns, and inconsistent context across systems.
What’s needed:
An AI-ready data foundation where structured, semi-structured, and vector data coexist under consistent security and governance controls.
Unified operational and analytical database
SingleStore runs high-throughput policy and claims transactions alongside complex actuarial and portfolio analytics on the same data, eliminating batch pipelines and reducing architectural sprawl.
Real-time ingest and decisioning
Continuous data ingestion enables instant underwriting, live fraud scoring, and usage-based pricing adjustments the moment new events are generated.
High concurrency at enterprise scale
Thousands of adjusters, agents, dashboards, and AI services can query live data simultaneously without compromising response times or accuracy.
ACID compliance for financial-grade integrity
Full transactional guarantees ensure policy updates, claim payments, and reserve adjustments are processed reliably, even under distributed, high-volume workloads.
AI-ready foundation
Structured, semi-structured, and vector data coexist in one engine, enabling agent-assisted underwriting, intelligent claims triage, and explainable model outputs grounded in live operational truth.
Digital distribution and embedded insurance demand sub-second quote and bind experiences. Traditional underwriting relies on batch risk data and manual checks. A unified real-time platform enables automated risk scoring with live policy, behavioral, and third-party data - accelerating approvals while maintaining discipline and auditability.
Fraud often occurs at claim submission or policy change. Delayed analytics allow suspicious activity to clear before intervention. By analyzing transactions and behavioral signals as they arrive, insurers can block fraudulent claims instantly, reduce loss ratios, and minimize false positives.
Auto and commercial policies increasingly depend on sensor and driving behavior data. Continuous ingest and analytics allow insurers to update risk profiles dynamically, reward safe behavior, and refine pricing models without waiting for periodic batch recalculations.
Severe weather and large-scale events create sudden exposure shifts. Insurers must rapidly assess portfolio impact and capital requirements. A unified data engine enables live aggregation of policies, claims, and geographic risk to support timely decisions and regulatory reporting.
Claims volumes fluctuate dramatically, especially during peak events. AI-assisted triage systems prioritize high-risk or high-severity claims in real time, route cases to appropriate adjusters, and continuously learn from outcomes - improving cycle times and customer satisfaction.
Faster decisions
Enable underwriting, claims, and fraud decisions in milliseconds, reducing cycle times, improving customer experience, and protecting margin in competitive markets.
Revenue and margin growth
Support dynamic pricing, personalized coverage, and embedded insurance models that increase conversion, improve retention, and optimize risk-adjusted returns.
Simplified architecture
Consolidate multiple databases and pipelines into a unified real-time engine, lowering infrastructure costs and operational overhead while improving consistency.
AI-ready enterprise
Move AI from experimentation to production at scale with live, governed data supporting agent-driven workflows and explainable decisioning.
Power Real-Time Insurance Decisions at Enterprise Scale
See how a unified, real-time data foundation accelerates underwriting, reduces fraud, and simplifies your insurance architecture.