Enterprise Intelligence

Most insurance organisations still treat Enterprise Architecture as an IT exercise, which is why EA efforts don’t change underwriting quality, claims outcomes, loss ratios, regulatory compliance, customer trust, or profitability. Insurance EA ≠ Insurance IT. This Director EA FAQ explains where traditional EA breaks down and how a true enterprise anatomy reveals the structure that IT alone cannot see, align, or repair. It explains the logic of shadow anatomies, 12 insurance us

But a deeper look revealed a concerning pattern. While downloads were high, active usage was inconsistent. More importantly, internal systems — including policy processing, claims, underwriting, and agent onboarding — remained disconnected. The architecture teams had little visibility into how front-end experiences were tied to backend capability models.

Citizens could browse plans, check subsidies, and enroll through a sleek interface — yet the enterprise structure linking eligibility rules, provider networks, payment reconciliation, compliance reporting, and appeals was never modeled.

Claims moved between payers and providers faster, rejection rates at the format level dropped, and transaction dashboards improved — yet the enterprise structure linking provider data management, policy adjudication, payment integrity, fraud detection, and regulatory reporting was never modeled.

A recurring pattern is equating claims processing speed with architectural maturity. Claims were auto-adjudicated faster, portals displayed status instantly — yet the enterprise anatomy linking eligibility, provider data, benefits rules, and appeals workflows was never modeled.

While portals improved customer-facing processes (P2) and component usability (P4), our analysis found deep integration gaps in system behavior (P3) and missing governance alignment from strategy (P1) through operations (P6).

What was delivered: IT modernization of core systems and select processes. What was missing: a unified enterprise architecture connecting strategy, risk, products, and operations.

One Insurance Enterprise, One Anatomy Through decades of research and real-world application, ICMG has uncovered a fundamental truth:...

Today’s policyholders expect personalized, seamless experiences, similar to what they receive from retail and tech companies.