Fast-Track Modernization
Without the Replatforming Risk

Coherent is the enterprise logic layer that discovers, governs, and deploys spreadsheet-based business logic at scale. Most insurance companies have thousands of Excel models that power pricing, underwriting, and finance decisions—but lack visibility into what exists, how it's governed, or how to deploy it to production systems. Coherent solves this by: (1) discovering all Excel-based logic across the enterprise with Insights, (2) applying software-grade governance with version control and audit trails through Control, and (3) converting models to production APIs via Spark—all without forcing teams to abandon Excel. This gives organizations the speed of modern platforms with the governance regulators demand.

Coherent is not a pricing platform, underwriting platform, or rules engine. Coherent is a logic platform. Where tools like Hyperexponential or Radar require insurers to rebuild models in proprietary environments, Coherent converts existing Excel-based actuarial, pricing, and product logic into governed APIs that can be used by any system, application, or AI workflow.

This means insurers can:

• Keep actuarial development in Excel
• Eliminate logic rewrites and migration programs
• Deploy models directly into production systems
• Govern, version, and audit logic centrally
• Power underwriting tools, admin systems, and AI agents from the same source

Some customers connect Coherent into decision platforms. Others replace decision platforms entirely by operationalizing their own models through Coherent. In both cases, Coherent removes the dependency on proprietary logic engines and turns insurance logic into an enterprise service.

Coherent is designed to integrate directly with policy admin, quoting, claims, and analytics platforms—including Duck Creek, Guidewire, Salesforce, Snowflake, and Majesco. By turning Excel logic into modular microservices, Coherent allows P&C insurers to modernize rating and underwriting processes without replacing their core systems or investing in costly custom development. Coherent fits into your existing architecture, extending the value of platforms you already use.

Unlike traditional modernization platforms that require a full rebuild, replatforming, or heavy IT resourcing, Coherent reuses the business logic your teams already trust. It transforms Excel models into governed, production-ready APIs—without disruption. This means actuaries can launch products faster, underwriters can apply rates more flexibly, and IT can reduce development and resourcing costs by over $750K while ensuring compliance. Coherent’s platform delivers speed and control without sacrificing accuracy or transparency, setting it apart from black-box or code-heavy alternatives.

Coherent was built for insurance but serves any industry with complex Excel-based business logic. In Property & Casualty insurance, we power rating, underwriting decisioning, and reserving. In Life & Retirement, we enable illustration engines, policy administration calculations, and actuarial modeling. Banking uses Coherent for credit decisioning, pricing models, and regulatory capital calculations. Capital markets firms deploy it for trading models, risk analytics, and portfolio management. The common thread: any organization where Excel models contain critical business logic that needs to scale, be governed, or integrate with enterprise systems.

Implementation timeline varies by scope, but typical deployments follow this pattern: Insights discovery scans complete in 1-2 weeks for organizations with 10,000+ files. Control governance setup takes 2-4 weeks to configure approval workflows and integrate with existing systems. Spark API deployment happens in days for individual models—first model to production typically takes 4-6 weeks total from contract signature. Unlike traditional platform implementations that take 12-18 months, Coherent's value is measured in weeks because we don't require model rebuilds or team retraining. One mid-market P&C carrier went from contract signature to first production API (feeding their Duck Creek system) in 6 weeks. A Fortune 500 L&R carrier deployed 50 models in 90 days. The fastest path is to start with high-value models, prove ROI quickly, then expand.