The architecture under the cockpit — how data flows from many disconnected product, channel and policy systems into one governed truth, how that truth becomes a decision, and how two 360s still deliver over real data gaps.
No big-bang migration. The platform federates each product, channel and policy system, resolves it to one ontology, and serves a single trusted number — then turns that number into a decision, and the decision into an owner's action.
Each product, channel and policy system stays where it is. The platform layers ingestion, master-data resolution, a shared ontology and a semantic layer on top, then serves one governed truth to the apps and AI. Data flows top → bottom.
A single transaction's journey through the stack. A confidence flag and a reconciliation tie-out ride along with it the whole way.
Adapters pull each product, channel & policy system's events on schedule / CDC.
Raw records stored verbatim, with lineage + timestamp.
Codes matched to one canonical entity.
Mapped onto the ontology — classes & relationships.
Native fields → governed metrics; estimates flagged.
One metrics API; reconciliation gates the numbers.
360 views, exec briefs & AI read one truth.
The governed truth doesn't sit in a warehouse — it routes itself to the right view, the right action, and the right owner.
The four value-creation pillars don't just have dashboards — each has a standing agent that reads its governed data products and recommends the next move. Same ground truth, automated.
APE growth, VNB margin & protection / annuity new-business vs plan
business_unit · service_line · signal · kpithe ULIP → non-par / par / protection mix shift & per-segment VNB margin
opportunity · pipeline_stage · brand_cohort · projectbancassurance, agency & digital reach and channel activation vs target
customer · vertical · site · kpi13M / 61M persistency, solvency buffer & the embedded-value bridge
kpi · ops_metric · service_line · covenant_qtrSome products and channels aren't fully on the common PAS grain yet, so the channel→segment mapping and office-grain detail are incomplete. These views still answer — by resolving, allocating-and-flagging, then reconciling. The estimate is labelled, never hidden.
Some channels report at their own grain — so the channel → office → segment → legal-entity rollup is partly missing or inferred.
of premium already at true office grain; the rest labelled & closing as channels move onto PAS
For channels not yet on the common grain, office, premium-at-grain and productivity detail isn't available at office grain — so the office twin would otherwise be blank.
avg office-grain coverage today — transparent where it's modelled
Reconciliation runs live on the data. The 1 known break below is the office-grain gap surfaced on purpose — exactly what a CFO or auditor wants flagged, not buried.
Open Data Health →