Value & ROI – The Economics of a Unified System | INTX
Value & ROI

The economics of insurance are controlled by the system that runs it.

When operations, reinsurance, and financials are fragmented, the impact is measurable. When they are unified, the impact is transformational.

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The Independent Research · RSM US LLP

The hidden cost of fragmented systems

Annual Hidden Costs
$5M
Tied to outdated systems
Productivity Lost
~900
Hours per employee annually
Manual Workflows
72%
Rely on spreadsheets or manual tools
Policy Admin
>50%
Of processes remain manual
These are not edge cases. They represent the standard operating environment.
Reinsurance Value at Risk

The industry is underestimating the cost of reinsurance.

The market cites 1–2% leakage. That reflects only visible recoverables. When measured across the full reinsurance lifecycle:

3–8%+
Total reinsurance value at risk of ceded volume
At Industry Scale
($1.75T Global Premiums)RVaR Estimate
1% inefficiency$17.5B
3% RVaR$52.5B
5%+ RVaR$87B+
This is the largest unaddressed economic lever in insurance.
What Changes When the System Is Unified

Measurable impact across three areas.

Operational Efficiency

12K–22K

Operational hours returned annually. Equivalent to 6–10 full-time employees.

Reinsurance Performance

3–8%

Of ceded premium recovered across the value chain through embedded reinsurance and real-time tracking.

Financial Accuracy

Real-time

Reporting and capital visibility on a single data model. Audit-ready financials with no reconciliation required.

Before INTX

Fragmented systems, manual workflows

  • Delayed reporting
  • Reinsurance misalignment
  • Limited capital visibility

After INTX

Unified system, automated operations

  • Real-time reporting
  • Embedded reinsurance
  • Continuous capital insight
This is not optimization. It is structural improvement.

Understand your impact

In a live walkthrough, we map your current structure and quantify operational inefficiencies, reinsurance leakage, and capital visibility gaps.

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