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How a Tier-1 US insurer migrated 200K+ policies and retired their legacy system


This tier one life insurer is a Fortune 100 company that offers a full range of highly ranked insurance and financial solutions.

By the numbers:

In 2022, the company reported:

  • Total sales in 2022: more than $50 billion
  • Total assets: more than $250 billion
  • Claims and benefits paid to members in 2022: More than $18 billion

The Challenge

In order to reduce costs and resource requirements, consolidate their IT landscape and take advantage of modern PAS capabilities, the insurer embarked on a modernization of their legacy Policy Administration System (PAS). They initiated a project to transition from a homegrown legacy system based in a .NET application and SQL database to Oracle Insurance Policy Administration (OIPA).

As part of their modernization, they identified the need for a significant data migration from the legacy core system to the new target system. The intended migration would be challenging, given the complexities of the legacy platform and the products hosted on it. The life and term products included: Universal, Indexed Universal, Long-Term Care, Survivorship, and Variable Funds (8,000 variations).


The insurer chose UCT as their migration partner because the intricacies of the project required a vendor who had experience, expertise and a proven methodology for successfully conducting problematic migrations. The fact that UCT has completed migrations to and from over 60 different policy administration systems in more than 300 projects made them the right choice.

Data Migration Approach

The project was planned to be executed in multiple phases over a 3-year period, ensuring a systematic transfer and validation of data. In total, the 5 products to be migrated from the legacy systems included more than 200,000 policies, each with policy, client, customer, and agent information, including multiple segments/riders, loans and claims information.

Following the completion of a UCT data migration study of the company’s requirements, the project was deemed to be highly complex. Similar products were grouped into different migration waves which would be implemented in 5 phases.

To ensure accuracy and reduce project duration UCT worked closely with the vendor responsible for the configuration of the OIPA platform during each of the phases.

The migration also included client deduplication to reduce excess data and the implementation of an extensive reconciliation process that included field-to-field comparisons was put in place to ensure the quality of data being migrated. Values were matched to within a 98+% matching.

The Result

To date all planned policy migrations have been completed successfully. As the waves of migration were executed several highlights became apparent:

  • Effective Collaboration: The multi-partner collaboration proved fruitful in executing a complex data migration strategy, showcasing the importance of clear communication and well-defined roles.
  • Structured Approach: The phased migration approach, coupled with meticulous planning and execution, underpinned the successful transfer and validation of a substantial volume of critical data.
  • UCT became the trusted advisor to the insurer during and post discovery.

Looking Ahead:

The successful completion of this project has not only modernized the data infrastructure of the insurer but has also paved the way for potential integration of advanced technologies like analytics, BI, AI and large language models. The learnings from this project provide valuable insights for similar future

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Case Study ANONYMIZED Nationwide Hero illustration 3840x1540

Download the Case Study