Personal Lines Solutions for Brokers

Modern Personal Lines
Insurance Software Solutions

Full Stack Solutions for Personal Lines Insurance

Digitalize End-to-end Policy Lifecycle
for Personal Lines Insurance

Cogitate DigitalEdge offers a variety of personal lines insurance software to help insurance providers of all sizes build an omnichannel ecosystem that delivers exceptional user experience to channel partners and customers. The personal lines solutions cover the entire policy life-cycle starting from the Rate, Quote, Bind & Issue to post-sale services like endorsements, renewals, cancellations, rewrites and reinstatements.

Modern Features of Personal Lines Insurance Software
  • Streamlined digital underwriting and distribution
  • Comprehensive Low Code No Code capabilities
  • Adaptive API integrations with core and legacy systems
  • Pre-integrated third-party data services for automatic risk capture and data-prefill
  • Underwriting risk information validation embedded in the transaction process
  • LoB specific analytics with dashboard and drill-down reports
  • E-signature verification through mobile One-Time Password (OTP)
  • Contemporary user interface with white labeling

Personal Property

The Cogitate Personal Property insurance suite offers digital insurance solutions for Home Owners, Dwelling Property, Renters, Flood, Earthquake, Farm & Ranch, and more.

  • Acquires more than 80 risk attributes by just entering the address of the property from pre-integrated third-party data sources
  • Intelligent underwriting process minimizes user inputs and human errors
  • Seamless, real-time communication throughout the policy life cycle
  • Integration of customer e-signature with mobile using OTP (One-time-password)
Digital Insurance Solutions for Home Owners

Personal Auto

  • Personal Auto specific pre-integrations to automatically populate vehicle risk attributes using VIN number
  • Fetches past claim history for accurate risk evaluation
  • Comparative Rater for Quote options
Personal Auto Insurance Quoting Software

Personal Umbrella

  • Available for a wide range of personal lines
  • Agent enters the insured's underlying policy and can verify if it meets the underwriting guidelines of umbrella
  • Other validations – multiple claims, lawsuits, etc.
Cogitate Personal Umbrella Solutions


Accelerate Digitalization

Achieve omnichannel (B2B and B2C) distribution by easy integration with existing Core & Legacy Systems

Rapid Implementation

Go Live in 8-12 weeks

Transforming User Experience

Deliver meaningful and relevant experience across the policy life cycle to build brand loyalty

Increased Speed to Market

Launch new products for your customers quickly and get an edge over the competition with Low Code No Code capabilities

Reduce Operational Cost

Enhance the efficiency and productivity with no hidden charges and fees, and ‘Pay-as-You-Grow’ model

Future-ready, Cloud-native Platform

Flexible, scalable, modular and replicable to support future growth

Faster Communication

Offers seamless communication across the insurance value chain participants

Line of Business

With customizable and configurable modules digitalize any line of business

Looks like something is wrong. Kindly verify your email address.
FTU's Innovative Choice: