Insurance
Underwriting, pricing, eligibility, and claims logic. Readable by compliance, bound to policy dates, and entirely under your control.
The problem
The same exclusion lives in a rating engine, a policy admin system, and a claims workflow, each maintained by a different team. No one can confidently show what rule applied to a policy signed three years ago.
Underwriting appetite, rating factors, and exclusions are scattered across PAS, rating engines, spreadsheets, and vendor workflows. Over time, broker and direct channels drift apart without anyone noticing.
Cover applies as at inception. Claims are judged against the date of loss. Regulatory filings take effect on fixed dates. Temporal logic in application code becomes impossible to follow.
Regulators, auditors, and customers ask why a risk was accepted, priced, or declined. When the answer lives only in application code, compliance becomes reconstruction.
Introducing Lemma
Separate how rules are governed from where they run. Author once, execute beside underwriting, rating, distribution, and claims services.
Every decision produces a trace showing which rule applied, with what inputs, and in what order. Declined submissions, loaded premiums, and fraud referrals become defensible.
Multiple rule versions coexist. The engine evaluates against the version effective on the policy date, without fragile date trees in application code.
Your underwriting and pricing IP stays in an open language you own, not buried in proprietary vendor consoles that tie your logic to a platform contract.
Underwriting, actuarial, compliance, and engineering teams author, review, and publish specs in LemmaBase. Logic stays in an open language, not vendor consoles.
Why LemmaBase
Open-source foundation. No vendor lock-in. Deterministic by design.
We work with carriers to separate decision logic from platform code. Get in touch to explore how LemmaBase fits your estate.