A configured operating system for insurance operations. Built on the same core platform, extended with modules built for the way claims and underwriting actually work.
What brokers and insurers deal with today
Claims backlog
Routine claims sit in queue behind the same manual checks, every time, regardless of complexity.
Underwriting turnaround
Submissions require re-keying the same data across multiple tools before a decision can be made.
Scattered policy records
Cover, renewal and correspondence live in different systems with no single source of truth.
Two things that change in the first month.
Claims that close themselves
A claim lands, gets checked against the policy, and closes — same day, no one touched it.
Gaps get flagged before they bite
Under-insured policies get caught automatically, before they turn into a dispute.
Built for claims and underwriting
Ships on top of the Insurance base plan.
Policies
Client, policy, claim and renewal records unified and cross-referenced in one place — the core object the rest of the module set builds on.
Coverage-Gap Analysis
Compares a client's current policies against available products to surface missing or inadequate cover automatically.
Policy Retrieval
Natural-language search over policy documents and terms — ask a question, get the clause.
Integration to 3rd Parties
Policy admin, financial, CRM, medical and document systems, connected natively.
The systems your business already runs on.
Named integrations, not generic categories — this is what actually gets connected.
Live API where available, manual/OCR fallback where not.
Financial needs analysis, and the de facto CRM / task tracker.
Commission-flow client data.
Insurance case studies
Meridian cuts claims turnaround by 40%
40,000 motor claims a year now run through xlabs OS with same-day resolution on straightforward cases.
Read the case study →InsuranceNorthbank speeds up underwriting turnaround
Underwriting decisions that took three days now clear in under four hours for standard submissions.
Read the case study →Start with Insurance
Bring one real claims or underwriting process — we'll show you what it looks like on xlabs OS.