Quick Overview
- 1#1: Guidewire InsuranceSuite - Cloud-native platform powering end-to-end property and casualty insurance operations including policy administration, claims, and billing.
- 2#2: Duck Creek - SaaS-based suite for property and casualty insurers handling policy management, claims processing, and reinsurance.
- 3#3: Sapiens CoreSuite - Comprehensive digital insurance platform supporting life, P&C, and reinsurance with configurable policy administration and analytics.
- 4#4: EIS Suite - Flexible core insurance system for life, P&C, and group benefits with rapid customization and digital capabilities.
- 5#5: Majesco - Cloud insurance software platform enabling P&C and life insurers to configure products, manage policies, and accelerate digital transformation.
- 6#6: OneShield - Configurable enterprise platform for multi-line insurance carriers covering policy, billing, and claims administration.
- 7#7: Insly - Cloud-based insurance software for managing policies, claims, and customer relationships with easy customization.
- 8#8: Vertafore - Integrated agency management and rating software for insurance distribution and operations customization.
- 9#9: Applied Epic - Cloud agency management system for commercial lines insurance with customizable workflows and integrations.
- 10#10: AgencyBloc - Insurtech CRM platform for life and health insurance agencies with commission tracking and HIPAA-compliant customization.
Tools were chosen based on their feature robustness, user experience, technical quality, and overall value, ensuring they align with the diverse needs of modern insurance operations across lines of business.
Comparison Table
This comparison table breaks down key features and functionalities of popular custom insurance software tools, including Guidewire InsuranceSuite, Duck Creek, Sapiens CoreSuite, EIS Suite, Majesco, and more. It helps readers assess scalability, industry-specific capabilities, and operational efficiency to identify the best fit for their organization.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Guidewire InsuranceSuite Cloud-native platform powering end-to-end property and casualty insurance operations including policy administration, claims, and billing. | enterprise | 9.8/10 | 9.9/10 | 8.4/10 | 9.2/10 |
| 2 | Duck Creek SaaS-based suite for property and casualty insurers handling policy management, claims processing, and reinsurance. | enterprise | 9.2/10 | 9.6/10 | 7.9/10 | 8.7/10 |
| 3 | Sapiens CoreSuite Comprehensive digital insurance platform supporting life, P&C, and reinsurance with configurable policy administration and analytics. | enterprise | 8.7/10 | 9.3/10 | 7.9/10 | 8.2/10 |
| 4 | EIS Suite Flexible core insurance system for life, P&C, and group benefits with rapid customization and digital capabilities. | specialized | 8.6/10 | 9.3/10 | 7.9/10 | 8.1/10 |
| 5 | Majesco Cloud insurance software platform enabling P&C and life insurers to configure products, manage policies, and accelerate digital transformation. | enterprise | 8.2/10 | 8.7/10 | 7.8/10 | 8.0/10 |
| 6 | OneShield Configurable enterprise platform for multi-line insurance carriers covering policy, billing, and claims administration. | specialized | 8.4/10 | 9.1/10 | 7.2/10 | 8.0/10 |
| 7 | Insly Cloud-based insurance software for managing policies, claims, and customer relationships with easy customization. | specialized | 8.2/10 | 8.7/10 | 7.9/10 | 8.0/10 |
| 8 | Vertafore Integrated agency management and rating software for insurance distribution and operations customization. | enterprise | 7.8/10 | 8.5/10 | 6.9/10 | 7.4/10 |
| 9 | Applied Epic Cloud agency management system for commercial lines insurance with customizable workflows and integrations. | specialized | 8.7/10 | 9.3/10 | 7.4/10 | 8.1/10 |
| 10 | AgencyBloc Insurtech CRM platform for life and health insurance agencies with commission tracking and HIPAA-compliant customization. | specialized | 8.1/10 | 8.7/10 | 7.9/10 | 7.6/10 |
Cloud-native platform powering end-to-end property and casualty insurance operations including policy administration, claims, and billing.
SaaS-based suite for property and casualty insurers handling policy management, claims processing, and reinsurance.
Comprehensive digital insurance platform supporting life, P&C, and reinsurance with configurable policy administration and analytics.
Flexible core insurance system for life, P&C, and group benefits with rapid customization and digital capabilities.
Cloud insurance software platform enabling P&C and life insurers to configure products, manage policies, and accelerate digital transformation.
Configurable enterprise platform for multi-line insurance carriers covering policy, billing, and claims administration.
Cloud-based insurance software for managing policies, claims, and customer relationships with easy customization.
Integrated agency management and rating software for insurance distribution and operations customization.
Cloud agency management system for commercial lines insurance with customizable workflows and integrations.
Insurtech CRM platform for life and health insurance agencies with commission tracking and HIPAA-compliant customization.
Guidewire InsuranceSuite
enterpriseCloud-native platform powering end-to-end property and casualty insurance operations including policy administration, claims, and billing.
Modular, low-code InsuranceSuite architecture that allows precise customization of core P&C processes while maintaining out-of-the-box compliance and best practices.
Guidewire InsuranceSuite is a comprehensive, enterprise-grade platform designed specifically for property and casualty (P&C) insurers, offering end-to-end solutions including PolicyCenter for policy administration, ClaimCenter for claims management, BillingCenter for billing, and additional modules for analytics, digital engagement, and reinsurance. It enables highly customizable workflows, low-code configuration, and seamless integration with third-party systems to meet unique carrier needs. Deployable on-premises, cloud, or hybrid, it leverages AI and analytics for operational efficiency and better decision-making.
Pros
- Unmatched depth in P&C insurance functionality with modular components for full lifecycle management
- Highly configurable low-code tools and extensibility for custom workflows without heavy development
- Proven scalability and reliability, powering over 500 insurers worldwide including many Fortune 500 companies
Cons
- Complex implementation process often requiring 12-24 months and significant consulting resources
- Steep learning curve for users and administrators due to its enterprise complexity
- Premium pricing that may be prohibitive for mid-market or smaller insurers
Best For
Large P&C insurance carriers needing a robust, fully customizable end-to-end platform for policy, claims, billing, and digital operations.
Pricing
Custom enterprise licensing model; typically $500K+ annually per module plus implementation fees in the millions, scaled by users, transactions, and deployment.
Duck Creek
enterpriseSaaS-based suite for property and casualty insurers handling policy management, claims processing, and reinsurance.
Low-code/no-code product factory for rapid configuration of complex, rules-based insurance products without heavy coding
Duck Creek is a leading SaaS platform for property and casualty (P&C) insurance, offering end-to-end solutions including policy administration, claims management, billing, reinsurance, and analytics. It enables insurers to build and configure highly customized insurance products using low-code/no-code tools, accelerating time-to-market while maintaining compliance and scalability. The cloud-native architecture supports seamless integrations and digital transformation for carriers of all sizes.
Pros
- Comprehensive suite covering full P&C insurance lifecycle with deep customization
- Cloud-native scalability and strong API ecosystem for integrations
- Low-code configuration tools reduce dependency on developers
Cons
- Steep implementation timeline and high upfront costs
- Complex interface with significant learning curve for non-experts
- Primarily optimized for P&C lines, less ideal for life/health insurance
Best For
Mid-to-large P&C insurers seeking a scalable, configurable SaaS platform for complex custom products and digital operations.
Pricing
Enterprise subscription pricing, custom-quoted based on modules, users, and deployment; typically starts at $500K+ annually for mid-sized implementations.
Sapiens CoreSuite
enterpriseComprehensive digital insurance platform supporting life, P&C, and reinsurance with configurable policy administration and analytics.
Low-code/no-code CoreSuite Studio for agile, code-free policy and process configurations
Sapiens CoreSuite is a cloud-native, end-to-end platform for property and casualty (P&C) insurance, offering policy administration, claims management, billing, reinsurance, and digital engagement tools. It leverages a low-code/no-code architecture for rapid customization and scalability, supporting insurers in digital transformation. The suite integrates AI and analytics to enhance decision-making and operational efficiency across the insurance lifecycle.
Pros
- Comprehensive modular design covering full P&C lifecycle
- Low-code configurability for fast customizations
- Robust AI and analytics integrations for insights
Cons
- Complex initial setup requiring expert implementation
- Higher costs suited for larger enterprises
- Steeper learning curve for non-technical users
Best For
Mid-to-large P&C insurers needing a highly customizable, scalable enterprise platform for digital transformation.
Pricing
Custom enterprise pricing, typically subscription-based starting at $500K+ annually depending on modules, users, and deployment scale.
EIS Suite
specializedFlexible core insurance system for life, P&C, and group benefits with rapid customization and digital capabilities.
The EIS Product Factory, a low-code engine that lets non-technical users model and configure intricate insurance products in days rather than months.
EIS Suite by EIS Group is a cloud-native policy administration system (PAS) tailored for property & casualty insurers, enabling the rapid configuration of complex, multi-line insurance products. It features a low-code Product Factory that empowers business users to design and deploy customized policies without extensive programming. The platform supports end-to-end operations from quoting and underwriting to claims and billing, with strong emphasis on scalability and digital integration.
Pros
- Highly configurable Product Factory for rapid product development
- Cloud-native architecture with microservices for scalability
- Robust integration capabilities with third-party systems and ecosystems
Cons
- Steep learning curve for full utilization of advanced configuration tools
- High implementation costs and timelines for enterprise deployments
- Limited pre-built templates for highly niche or emerging insurance lines
Best For
Mid-to-large P&C insurers needing deep customization for complex commercial and specialty products without heavy reliance on developers.
Pricing
Enterprise licensing with custom pricing; annual subscriptions typically range from $500K+ based on users, modules, and deployment scale.
Majesco
enterpriseCloud insurance software platform enabling P&C and life insurers to configure products, manage policies, and accelerate digital transformation.
Composable, low-code platform architecture for accelerating custom insurance product launches
Majesco offers a cloud-native SaaS platform designed for property & casualty (P&C), life & annuities, and group insurance carriers, providing end-to-end core administration including policy management, claims processing, billing, and digital servicing. Its composable architecture enables high customization to support complex, innovative insurance products without extensive coding. The platform integrates AI, analytics, and third-party ecosystems to enhance operational efficiency and customer experiences.
Pros
- Highly configurable low-code/no-code tools for rapid product development
- Scalable cloud infrastructure with strong AI and analytics integration
- Proven track record with major insurers and robust ecosystem partnerships
Cons
- Steep implementation timeline and costs for full deployment
- Complex interface requiring training for non-technical users
- Less ideal for small insurers due to enterprise-scale focus
Best For
Mid-to-large insurance carriers needing a customizable, scalable core system for P&C or life products.
Pricing
Custom enterprise subscription pricing starting at $500K+ annually, based on modules, policy volume, and users; quote required.
OneShield
specializedConfigurable enterprise platform for multi-line insurance carriers covering policy, billing, and claims administration.
OneShield Studio low-code configuration tool for rapid, rule-based customizations
OneShield offers a modular, configurable insurance platform primarily for property & casualty (P&C) insurers, including policy administration, billing, claims management, and reinsurance solutions. Its model-driven architecture enables extensive customization without heavy coding, supporting complex products and multi-line operations. The platform is scalable for mid-to-large enterprises and available in cloud, on-premise, or hybrid deployments.
Pros
- Highly configurable model-driven platform for custom insurance products
- Robust scalability and integration with third-party systems
- Proven track record with major P&C insurers globally
Cons
- Steep learning curve and complex initial setup
- Lengthy implementation timelines (often 12-24 months)
- Premium pricing not ideal for smaller carriers
Best For
Mid-to-large P&C insurers requiring deep customization for complex, multi-line policy administration.
Pricing
Enterprise quote-based pricing; typically $200K+ annually depending on modules, users, and deployment.
Insly
specializedCloud-based insurance software for managing policies, claims, and customer relationships with easy customization.
No-code product configurator for rapid creation and deployment of custom insurance products
Insly is a cloud-based insurance management platform tailored for insurers, managing general agents (MGAs), and brokers, providing end-to-end automation for policy administration, claims handling, billing, and reinsurance. It features a highly customizable no-code environment that allows users to configure products, workflows, and user interfaces without programming expertise. Supporting multi-language, multi-currency operations and API integrations, Insly enables scalable growth for international insurance businesses. The platform also includes client portals, real-time analytics, and mobile apps for comprehensive accessibility.
Pros
- Comprehensive end-to-end insurance workflows with strong customization options
- Robust API ecosystem and multi-currency/language support for global use
- White-label client portals and real-time reporting for enhanced user experience
Cons
- Pricing is quote-based and can be high for smaller operations
- Initial setup and customization require significant configuration time
- Limited public user reviews and case studies compared to larger competitors
Best For
Mid-sized MGAs, insurers, and brokers needing a scalable, customizable platform for complex, international insurance operations.
Pricing
Custom quote-based pricing, typically starting at €1,000-€5,000/month based on users, modules, and customization needs.
Vertafore
enterpriseIntegrated agency management and rating software for insurance distribution and operations customization.
Marketplace with 300+ direct carrier integrations for real-time quoting and policy downloads
Vertafore provides a comprehensive suite of customizable insurance agency management software, including AMS360 for core agency operations, PL Rating for comparative rater functionality, and Sircon for licensing and compliance. These tools automate workflows, integrate with carriers, and support property & casualty, benefits, and surplus lines insurance. Designed for independent agencies, it offers modular customization to scale with business needs.
Pros
- Extensive carrier integrations (over 300) for seamless data exchange
- Robust automation and workflow tools tailored to insurance processes
- Strong compliance and regulatory features like Sircon for licensing
Cons
- Steep learning curve due to complex, legacy-style interface
- High implementation costs and lengthy onboarding process
- Customization requires technical expertise or vendor support
Best For
Mid-sized independent insurance agencies seeking deeply integrated, scalable solutions for multi-line operations.
Pricing
Custom quote-based pricing; typically starts at $100-300/user/month for core modules, with add-ons increasing costs significantly.
Applied Epic
specializedCloud agency management system for commercial lines insurance with customizable workflows and integrations.
Universal carrier connectivity via the Applied Messaging Framework for seamless, real-time policy downloads and endorsements
Applied Epic is a comprehensive cloud-based agency management system from Applied Systems, tailored for insurance agencies handling commercial, personal, and specialty lines. It streamlines operations with policy management, client servicing, billing, claims tracking, and advanced reporting tools. The platform excels in automation, carrier integrations, and scalability for complex custom insurance workflows.
Pros
- Extensive carrier integrations and real-time data exchange
- Robust automation and customizable workflows for diverse insurance lines
- Scalable for mid-to-large agencies with strong reporting and analytics
Cons
- Steep learning curve and complex interface for new users
- High implementation and ongoing costs
- Occasional performance lags during peak usage
Best For
Mid-sized to large insurance agencies needing a powerful, all-in-one system for custom policy management and carrier connectivity.
Pricing
Custom quote-based pricing, typically $5,000–$20,000+ per month depending on agency size, users, and modules.
AgencyBloc
specializedInsurtech CRM platform for life and health insurance agencies with commission tracking and HIPAA-compliant customization.
Advanced CMS compliance suite with automated audit preparation and householding for Medicare agents
AgencyBloc is a specialized CRM and agency management software tailored for life and health insurance agencies, with a strong focus on Medicare Advantage, Medigap, and senior health products. It provides tools for client management, lead tracking, quoting, enrollment automation, commission reconciliation, and compliance reporting. The platform emphasizes regulatory adherence, carrier integrations, and workflow automation to help agencies scale operations efficiently.
Pros
- Deep specialization in Medicare and life/health insurance workflows
- Robust compliance tools including CMS audit defense and householding
- Strong carrier integrations for quoting and enrollment automation
Cons
- Limited support for property & casualty (P&C) insurance
- Learning curve for advanced customization and reporting
- Higher pricing may not suit very small agencies
Best For
Medicare-focused insurance agencies needing compliance-heavy CRM and enrollment tools.
Pricing
Quote-based pricing starting at around $150/user/month for core plans, scaling to enterprise levels with add-ons.
Conclusion
The reviewed insurance software tools demonstrate innovation in streamlining operations, with Guidewire InsuranceSuite emerging as the top choice—its cloud-native design excelling in end-to-end property and casualty processes like policy management and claims. Duck Creek and Sapiens CoreSuite, strong alternatives, offer specialized strengths in P&C and flexible multi-line functionality, catering to diverse operational needs. Together, they set a high bar for efficiency in the industry.
Discover the power of Guidewire InsuranceSuite to transform your insurance workflows—explore its comprehensive capabilities and experience seamless policy, claims, and billing management.
Tools Reviewed
All tools were independently evaluated for this comparison