Insurers bring balance sheet, underwriting expertise, appetite and market knowledge. Digital partners bring customer journeys, transactions and contextual data. The gap between them is operational.
Insurance operators · Insurers & Reinsurers
Turn embedded distribution into a repeatable growth channel.
Gangkhar helps insurers and reinsurers deploy, operate and continuously improve protection across digital partners without rebuilding products, integrations and controls for every new opportunity.
Primary carriers
Reinsurers and capacity providers
Digital insurance divisions
Embedded distribution teams
Regional and multinational insurers
Transformation and operations leaders
The context
The product exists. The distribution infrastructure usually does not.
Gangkhar provides the infrastructure layer that makes existing capacity deployable inside modern digital environments while preserving underwriting authority, governance and portfolio control.
The challenge
Remove friction between capacity and distribution.
Long integration cycles for every new distribution partner
Products and underwriting logic that are difficult to adapt to digital journeys
Fragmented policy, claims, compliance and settlement processes
Limited visibility into live partner and portfolio performance
Repeated operational work when expanding across markets
Core systems that were not designed for transactional distribution
The journey
From partner onboarding to portfolio steering.
Partner onboarding
Translate appetite, products and controls into a reusable deployment model.
Product configuration
Adapt eligibility, coverage, pricing and wording to each journey without rebuilding the product.
Live distribution
Quote, bind, issue and service protection inside the partner experience.
Portfolio steering
Monitor attachment, conversion, loss performance and operational exceptions as they happen.
Coverage opportunities
Products shaped around the real risk context.
Illustrative product opportunities are configured with the authorised insurer, MGA or capacity provider for each market.
Transaction-linked protection
Usage-based and on-demand products
Device and asset protection
Travel and mobility covers
Parametric protection
SME and affinity products
How Gangkhar solves it
Three connected layers. One governed operation.
Product intelligence, agentic execution and live optimisation work on the same infrastructure rather than as disconnected tools.
Sherpa+
Configures products, underwriting rules, policy workflows, compliance, payments and settlement through one operational layer.
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Sherpa+Mesh
Runs governed policy servicing, submissions, renewals and claims workflows against live product rules, with an auditable record of every action.
Explore Sherpa+Mesh
Sherpa+Lens
Uses live distribution and portfolio signals to improve pricing, eligibility, attachment and renewal decisions over time.
Explore Sherpa+LensOperating model
Clear roles. Configurable controls. Full traceability.
The insurer retains underwriting authority and capacity control.
Gangkhar coordinates product, policy, compliance, payment and servicing workflows.
Digital partners integrate through a consistent API and operating model.
Rules and controls remain configurable by market, product and partner.
Business impact
Make capacity deployable across digital partners.
For the insurer or reinsurer
- Faster activation of embedded channels
- Lower integration and operating complexity
- Reusable product and underwriting structures
- Real-time visibility into partner performance
- Scalable multi-market distribution
- More efficient use of capacity
For distribution partners
- Faster launches
- Clearer product configuration
- Reliable servicing and claims coordination
- Protection designed around the actual journey
APO in practice
A carrier operating model built for real-time issuance.
A tier-one Latin American carrier deployment covers ten operational modules and more than 200 active products, with contracted targets for reconciliation, touchless processing and issuance.
200+active products in scope
>90%touchless target
>98%reconciliation target
FAQ
Questions about this Use Case.
Does Gangkhar replace the insurer core?
No. Gangkhar is designed to operate above existing policy, billing and claims systems, coordinating the work without requiring a core replacement.
Can the same product be deployed through several partners?
Yes. Product logic can be configured for different journeys, transaction models and markets while preserving a common governed foundation.
Who controls underwriting decisions?
The insurer or delegated authority retains the relevant underwriting authority. Gangkhar executes and validates decisions against the approved live rules.
Can reinsurers monitor deployed capacity?
The operating model supports portfolio-level visibility, performance reporting and controls suited to capacity providers and reinsurance relationships.
Terms used on this page
- MGA
- Managing General Agent: an authorised intermediary with delegated insurance responsibilities.
- APO
- Agentic Process Outsourcing: a managed operating model in which governed AI agents perform defined work under explicit controls.
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