Modify and Launch Your Insurance Products Faster
Meet Our Insurance Product Configurator
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Why Should You Use Higson To Manage Your Insurance Offer?
Higson empowers your product and business teams to make changes today – not next quarter.
Time-to-market
Higson lets you launch new insurance products, update pricing, or respond toregulatory changes within hours, not weeks or months. No need to wait fordevelopment cycles or release windows.
Created for Business Users
Give business teams full control over product logic without writing code. Higson intuitive interface enables actuaries, analysts, and product owners to define and test configuration on their own. No IT bottlenecks, no technical dependencies.
Versioning
With Higson, you don’t need to create separate products for each sales channel or customer type. You can define and manage variations of the same product logic within a single configuration – based on channel, segment, or any other condition. This simplifies your product portfolio and reduces duplication.
Transparency and Auditability
With Higson, product configuration logic is always visible and easy to manage. Every rule is clearly structured, versioned, and documented so your teams know exactly how the system will behave in each scenario. This improves control, supports internal governance, and simplifies audits.
Discover Use Cases:
Higson supports a wide range of insurance use cases: from pricing to data management.
Tariff Calculation
Higson makes it easy to define, maintain and execute insurance tariffs across multiple products and channels.
Dynamic Pricing
Higson lets insurers calculate premiums based on real-time data and customer context. Pricing rules can react to behavior, risk profile, or external conditions lenabling more personalized and responsive pricing strategies.
Agent Management
Control agent permissions and commission logic. Higson lets you define who can sell which products, under what conditions, and how commissions are calculated.
Customer Segmentation
Use business rules to group customers by risk level, profile, or behavior and apply tailored pricing, eligibility rules, or product variants.
Underwrting Process Support
Define rules to automatically accept, reject, or flag applications for manual review based on selected criteria. Higson helps streamline the initial underwriting triage, ensuring faster and more consistent decisions.
Reference Data Management
Higson helps manage key reference data like address lists, vehicle codes, business classifications, and other external datasets used in decision-making. Updates can be applied centrally and reflected instantly across all rules using the data.
The Fastest Product Configurator
Higson is designed for high-performance rule processing, ensuring that even the most complex insurance decision logic executes in real time.
Full quotation takes 0.23 milisecond
calculations in one milisecond
Proven. Trusted. Award-Winning.
How Higson Can Connect To Your System?
Higson is technology agnostic, it can easily connect to business application andexisiting policy adimistration system by REST API. With an intuitive Studio interface, business users can easily define and manage rules for product definition, pricing, process steering, data validation, and sale, without coding.
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FAQs
We've gathered answers to the questions we get asked most often.
No – Higson is not a PAS. It works alongside your existing systems, giving business teams full control over product logic, pricing, and decision rules without touching the code.
You can configure pricing, eligibility logic, underwriting rules, product versions, reference data, and more. Higson is flexible enough to support simple validations or complex calculation flows.
Higson is API-first and technology agnostic. It integrates easily with your front-end apps and core systems.
Higson product configurator is built for business users: product managers, actuaries, digital teams, and operations. No coding skills required – rules are defined via decision tables and an intuitive interface (Higson Studio).
Most updates – such as tariff changes or new product variants – can be made and tested within hours, not weeks. Changes are versioned, testable, and can be rolled out selectively.
Still have questions?
If you didn’t find the answer to your question on our website, please contact us. We’ll get back to you within 24 hours.
Let’s Build the Future of Insurance Together
Start a conversation with our team and discover how Decerto can accelerate your digital transformation.
