Streamline underwriting, stay ahead of natural hazards, and steer portfolios in real time

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REALYTIX ZERO

Driving the digital underwriting revolution with GenAI

With REALYTIX ZERO you can build, distribute and scale digital insurance products like never before! – Now with even more capabilities by using the generative AI driven feature CoPilot. For primary insurers, brokers and MGAs, this means a big step forward in automation, a faster time-to-market and a quicker path to profitability.

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What is REALYTIX ZERO?

The insurance industry is held back by manual underwriting, slow product launches, and fragmented workflows. These inefficiencies delay time-to-market and profitability.

REALYTIX ZERO, developed by Munich Re, overcomes challenges in underwriting digitization by leveraging generative AI. Unlike traditional systems that rely on manual input and rigid setups, this cloud-based automated underwriting platform empowers primary insurers, brokers, and MGAs to build, distribute, and scale digital insurance products faster, more efficiently, and with greater flexibility. REALYTIX ZERO digitizes and automates the underwriting process through a nocode/low-code approach, delivering significant savings in time, cost, and resources. Its AI-powered CoPilot reduces manual tasks, boosts automation, and accelerates time to market. Additionally, the platform offers extensive reporting and analytics tools for effective portfolio management.

Currently, REALYTIX ZERO serves over 50 clients across more than 15 countries, supports over 25 insurance products, and is used by more than 4,000 users.

Re/insurance. Analytics. Zero Code. Zero Effort: REALYTIX ZERO

How underwriting automation works with REALYTIX ZERO

The benefits of REALYTIX ZERO at a glance

Speed up time to market

Embrace the power of our API capabilities

Reduce costs and increase efficiency

Leverage Munich Re expertise

Significantly reduce time to market - to just days or weeks - thanks to our unique self-configuration capabilities, the use of generative AI driven functions and a no-code/low-code platform, which enable to implement, adapt and scale products very quickly.

Integrate easily with existing systems and multiple external data sources or modules (such as AI or machine learning algorithms) at any point in the underwriting process - with a plug-and-play approach.

Start using our platform without the need for expensive and time-consuming in-house development or reliance on legacy technology. REALYTIX ZERO saves you time, money and resources.

Get access to the power of Munich Re's analytics and more than 140 years of extensive underwriting and pricing experience to ensure informed underwriting and pricing decisions.

REALYTIX ZERO: Enhanced by Python and CoPilot

Powering up with Python

REALYTIX ZERO is now smarter, faster, and more efficient than ever!

Free Demo

Our Realytix Zero automated underwriting platform now offers seamless Python integration.

REALYTIX ZERO CoPilot: From prompt to product

With REALYTIX ZERO’s new CoPilot, you can harness the power of generative AI and large language models to design, build and adapt products even faster. Using natural language prompts, the CoPilot can suggest, design and help you construct key aspects of your product design and digital delivery even quicker. This ground-breaking capability allows you to close the gap from idea to ideation.

The REALYTIX ZERO CoPilot enables you to

change and adopt insurance products extremely fast
build completely new insurance products from scratch
understand already implemented product logic and premium calculation
improve insurance products using the conversational capabilities

We’ve opened the REALYTIX ZERO CoPilot machine room for you. Get an impression how enormously fast insurance products can be designed or adjusted.

Incidentally, presenting the CoPilot at ITC DIA in Barcelona 2023 earned the REALYTIX ZERO team a coveted DIAmond Award.

REALYTIX ZERO CoPilot

How REALYTIX ZERO makes your life easier

For Underwriting Experts...

For Product Owners...

For Business Managers...

REALYTIX ZERO streamlines the process of creating insurance products that can be distributed and made available to any distribution channel.

REALYTIX ZERO is the most flexible and efficient solution that allows you to quickly launch products and adapt to changing market conditions by using data-driven insights.

REALYTIX ZERO is the best solution to take your business to the next level. It leads to faster processing times, improves accuracy and increases efficiency. It enables better risk assessment, improves your customer experience and reduces your costs.

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What our clients say about REALYTIX ZERO

"With REALYTIX ZERO’s unique self-configuration capabilities we are able to customize and adjust our Commercial Cyber insurance products really fast – in a couple of days only instead of months."

Alexander Schudra
ERGO Versicherung AG
Head of Cyber

Already using REALYTIX ZERO

>50

Clients

>15

Countries

>25

Products

>4,000

Users

FAQ

What is REALYTIX ZERO and what does it do?

REALYTIX ZERO is a digital underwriting and product automation platform designed for insurers, MGAs, and brokers. It enables the rapid design, configuration, and launch of insurance products by leveraging automation and generative AI, helping to streamline workflows and accelerate time-to-market

Who should use REALYTIX ZERO, and what benefits can they expect?

REALYTIX ZERO is ideal for underwriting managers, product owners, innovation teams, MGAs, and business leaders. Each benefits from increased efficiency, reduced manual effort, faster product launches, and improved decision-making through AI-driven automation.

How does REALYTIX ZERO differ from traditional underwriting and legacy systems?

Unlike traditional underwriting systems that depend heavily on manual input, rigid configurations, and require extensive IT support, REALYTIX ZERO automates workflows with generative AI. This reduces errors, accelerates processes, and provides flexible, no-code product configuration - all without the constraints typical legacy systems impose.

How does REALYTIX ZERO accelerate product launch and improve time-to-market?

REALYTIX ZERO utilizes no-code configuration tools, workflow automation, and embedded analytics to streamline the development and distribution of insurance products. These capabilities drastically reduce the time from product concept to market availability.

Can REALYTIX ZERO be integrated with existing insurance IT systems?

Yes, REALYTIX ZERO is designed for seamless integration with existing policy administration and other insurance systems. This ensures smooth operation within your current IT environment and supports legacy workflows alongside modern automation capabilities.

How does the AI-powered CoPilot in REALYTIX ZERO enhance underwriting processes?

The AI-powered CoPilot leverages generative AI to assist underwriters and product teams with intelligent recommendations, automated data processing, and dynamic guidance, significantly reducing manual workload and improving accuracy and speed.

Is REALYTIX ZERO suitable for underwriting complex or specialty insurance risks?

Yes, REALYTIX ZERO is built to handle the complexity of specialty and complex risks. Its flexible configuration and AI capabilities allow users to model, price, and underwrite diverse and sophisticated insurance products efficiently.