Cloud Digital Insurance

Tokio Marine HCC Launches Cloud-Based Portal for Straight-Through Processing

Tokio Marine HCC launched a cloud-based portal to facilitate straight-through processing for rate/quote/bind. Developed over two years, the system has led to a 75% reduction in rate/quote/issue time, a 12.5% employee productivity increase, and a 90% improvement in time to market

Business Need

Tokio Marine HCC (formerly NAS Insurance Services) had a goal of scaling its business without significant additions to its headcount. The company implemented a cloud-based portal offering straight through processing for quote/bind/issue as part of this overarching modernization effort to reduce reliance on manual legacy processes.

Tools and Technology

Development leveraged an AWS LAMP (Linux, Apache, MySQL, PHP) stack and modern application frameworks. The system integrates with Vertafore ImageRight for ECM and with VRC Velocity admin system. It also used InRule Decision Platform and Text Control ReportCloud for document generation. ValueMomentum was the development partner.

Success Factors

The company cites its focus on an IT cultural transformation to Agile as integral to success. The team notes that its IT partner also helped to set the tone in creating a collaborative environment.


Submission to issuance decreased 75% from 80 minutes to 20, time-to-market decreased from three months to one week, and productivity per employee (as measured by revenue per employee) grew by 12.5%.

This case study was originally published in Novarica’s 2019 Case Study Compendium.

ValueMomentum’s Digital & Cloud Services, including insurance industry-centric expertise with modern technology tools and development methods, provided us with a comprehensive and mature systems integration solution while helping us transform our IT culture to gain ongoing benefits from becoming collaboration-driven.

SVP of Technology and Product Manager, TMHCC