CARPE DATA PRESENTS

Judah Card

A Modern Policy Administration System

Purpose-Built for AMwins

From the team that built Steel Card — with 20 years of lessons learned.

The Problem with Legacy PAS

Duck Creek, Guidewire, Majesco — built for a different era. Rigid, slow, expensive to customize.
4-year internal builds fail because insurance is deceptively complex. Billing alone kills projects.
Every carrier API integration becomes a 6-month project.
Underwriters wait 45 seconds for third-party data to load. Producers give up.

You don't need another vendor's platform.
You need your own system — built the way you'd build it if you had the team.

What If Your PAS Was Built Like Modern Software?

🏗️ Purpose-Built

Not a product you configure — a system built for AMwins' programs. HO-3, HO-4, DP-3 first. 50-state, ISO forms. Your workflows, your rules.

⚡ TypeScript End-to-End

One language, one stack. Frontend, backend, rating engine, integrations. Your team can own it from day one.

🤖 AI-Native

Claude-powered copilot for underwriting. Not bolted on — woven into every workflow. Explains premiums in plain English.

🔒 Compliance-First

Bi-temporal versioning, cryptographic form hashing, delivery proof ledger. DOI-ready from day one. Not an afterthought.

Architecture

What Makes It Different

💰 Double-Entry Billing Ledger

Not an e-commerce shopping cart. A real accounting system. Every premium, commission, and fee tracked with GAAP-ready journal entries. Agency bill trust, premium finance, installment fees — all first-class.

📄 Content-Addressed Forms

Every form version locked with SHA-256 hash. When a DOI auditor asks exactly what was on a 2026 policy in 2030, you have cryptographic proof. Not just a record — mathematical certainty.

⚙️ Temporal Workflows

Policy lifecycle orchestration that handles the messy reality: human-in-the-loop approvals, carrier API timeouts, multi-day binding processes. Automatically retries, never loses state.

🧠 AI Copilot

Claude analyzes applications, explains premium calculations in plain English, flags anomalies, drafts endorsements. Saves underwriters hours per day.

The Rating Engine

Versioned ratebooks — every rate table tracked with content hash + effective dates. No "which rates were we using in October?"
Full rating trace — step-by-step math: base premium → territory → protection class → deductible → each factor applied, with delta shown
Plain-English explanations — AI generates human-readable premium breakdowns. "Your premium increased $47 because the territory factor for Miami-Dade went from 1.15 to 1.22"
CI/CD for rates — rate changes go through version control, testing, approval. Like deploying code, but for rates.

Every premium calculation is auditable, explainable, and reproducible.

Real-Time Quoting

Legacy systems block the UI for 45 seconds while third-party data loads. Producers leave. Conversion dies.

Our approach: async enrichment via WebSocket

Agent starts typing the application immediately
CoreLogic property data loads in the background
Verisk scores stream in as they arrive
Prior loss history populates while agent fills other fields
Quote refines progressively — no spinning wheel, no waiting

The agent never stops working. The system never stops enriching.

Compliance & Audit

📅 Bi-Temporal Versioning

Every policy record tracks two timelines: effective date (business) and transaction date (system). "Show me policy #12345 as it existed on March 1, as we knew it on March 15." Answered instantly.

📬 Delivery Proof Ledger

Generated ≠ Delivered. Track channel (email, portal, mail), timestamps, bounce status, and artifact storage. Prove the insured received their documents.

🔐 Immutable Event Log

Every state change is an immutable domain event with monotonic sequencing. Full audit trail. State-driven with domain events — pragmatic, not dogmatic.

🛡️ Database Enforcement

Policy Service is the single writer — enforced at the database permission level, not just by convention. Separate DB roles. No shortcuts.

Integration Ready

IVANS/ACORD: Standard download/upload. Policy, claims, billing transactions.
Carrier APIs: Real-time submission, status tracking, document exchange.
Payment Processing: Stripe — installments, agency sweep, premium finance.
Document Delivery: Hybrid generation (Playwright for complex layouts, pdfkit for high-volume). PDF/A for regulatory filings.
Webhooks: HMAC-signed, replay-protected, versioned. Enterprise-grade outbound events.

Modern APIs, not EDI nightmares. Every integration idempotent and retriable.

The Stack

Every choice deliberate. No resume-driven development.

TypeScript Next.js 15 PostgreSQL 16 Temporal.io tRPC + REST Drizzle ORM Redis 7 AWS ECS Fargate Turborepo Stripe Zod shadcn/ui + Radix Claude AI OpenAPI 3.1

Modular monolith — right-sized for a 1-3 person team. Microservices when you need them, not before.
Type-safe end-to-end — from database schema to API contract to UI components.
NUMERIC(12,2) + BigInt cents — no floating point. Ever. Banker's rounding built in.

First Line of Business

HO-3 / HO-4 / DP-3 — Homeowners

50-state. ISO forms. Prove the platform on the highest-volume program, then expand.

Coverage structures: Dwelling, Other Structures, Personal Property, Loss of Use, Liability, Medical Payments
Rating factors: Territory, protection class, construction, age, deductible, loss history, credit
Endorsements: Scheduled personal property, home business, water backup, identity theft
Forms engine: ISO form library + state-specific amendments, all content-addressed

Once HO works, the patterns transfer: Commercial, Auto, Specialty. The architecture doesn't change — only the rules.

Let's Build It

We built Steel Card together.
Let's do it again — but with 20 years of lessons learned
and tools that didn't exist back then.

Max Drucker · Carpe Data

max.drucker@carpe.io