Stop Waiting Months for IT to Change a Rating Rule
Higson is the business rules engine used by Allianz, Generali, and VIG Group product teams to launch new insurance products, update pricing, and respond to regulatory changes within hours — without writing code. Sub-millisecond execution at 9,000 requests/second. Free POC on Higson 4.2.
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Why Higson Is the Smarter Way to Manage Your Insurance Offer
Higson empowers your product and business teams to make changes today – not next quarter.
Time-to-Market: 6 Weeks Instead of 18 Months
A VP Product at a US specialty P&C carrier launched 11 new product variants in Q1 using Higson - vs 2 variants in all of 2024 on the previous platform. Each variant: configuration only, no IT ticket, no release window. Same pattern observed at Life carriers (term-life product variants) and embedded retail partners (warranty product configurations)."
Actuaries and Product Managers Control Their Own Rules
Higson Studio uses decision tables and forms - no code, no SQL. Your actuarial team defines rating tiers, eligibility thresholds, and product variations in the same interface used at Allianz Poland for 200+ products.
NAIC Audit Trail - Per Rule, Per Version, Per Decision
With Higson, pricing and underwriting rules are always visible and easy to manage. Every rule is clearly structured, versioned, and documented so your teams understand how decisions are made in each scenario. This improves control, supports internal governance, and simplifies audits.
One Product, 50 State Variations, One Source of Truth
US carriers struggle with state-by-state product filings. Higson holds the master rules; per-state deltas are explicit, versioned, and auditable. Multi-state filing isn't a rewrite - it's a delta.
Discover Use Cases
Higson supports a wide range of insurance use cases: from pricing to data management.
Pricing & Rate Calculation
Higson makes it easy to define, maintain, and execute insurance pricing across multiple products and distribution channels.
Dynamic Pricing
Higson calculates premiums based on real-time data and customer context. Pricing rules can react to behavior, risk profile, or external conditions, enabling more personalized and responsive pricing strategies.
Agent Management
Control agent permissions and commission structure. Higson defines who sells 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 variations.
Underwriting Process Support
Define rules to automatically accept, decline, or refer applications for manual review based on selected criteria. Higson helps streamline initial underwriting triage, enabling faster and more consistent decisions.
Reference Data Management
Higson helps manage key reference data such as 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.
Multi-State / Multi-Regulator Filing Compliance
Higson manages per-line per-state rule overlays, expiration dates of approved filings, and pending changes — single dashboard for compliance officers across every line you sell.
AI Model Governance
Higson acts as the rules-based guardrail layer for ML pricing/underwriting/claims models across all lines. AI proposes; Higson rules validate against actuarial guidelines, regulatory minimums (NAIC AI Bulletin), and bias-testing thresholds before any decision is binding - whether it's P&C rating, Life UW, Health adjudication, or Group eligibility.
Versioning
With Higson, you don't need to create separate products for each distribution channel or customer type. You can define and manage variations of the same product rules within a single structure — based on channel, customer segment, or other conditions. This simplifies your product portfolio and reduces duplication.
The Fastest Product Configurator
Higson is designed for high-performance rule processing, ensuring that even the most complex underwriting decisions execute 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 and connects easily to your existing business applications and policy administration systems via REST APIs. With an intuitive Studio interface, business users can define and manage rules for product setup, pricing, process management, and data validation without writing code.
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FAQ
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 rules, pricing, and decision rules without touching the code.
Higson handles pricing, eligibility rules , underwriting rules, product variants, reference data, and more. It 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 rate changes or new product variants – go live 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.
30 Minutes with Decerto Specialist
Walk through your specific carrier stack and tell us where it hurts most. We'll tell you within the call which Decerto products solve it, what the realistic timeline is, and whether you should keep what you have. NDA signed before the call if needed.
