The acquisition economics assumed you could consolidate the book onto your target PAS. Every month the acquired book sits on its legacy platform, the integration economics erode. Manual workarounds are burning operational budget.
Running parallel PAS environments means duplicate licensing, duplicate operations teams, and duplicate regulatory reporting. The acquisition model assumed a 12-month consolidation window. You're nine months in with no migration plan that your actuaries trust.
Dual-platform operation typically costs 15-25% more than the consolidated target state – and the gap widens each quarter as operational workarounds multiply.
The due diligence covered GWP, loss ratios, and combined ratio. It didn't cover the data model complexity. Now you're discovering endorsement chains that span fifteen years, delegated authority agreements that nobody in your organisation has seen before, and specialty classes – Farm/Ranch/Equine, surplus lines – with regulatory filing requirements across multiple jurisdictions. The acquired book is more complex than the spreadsheet in the deal room suggested.
Our agricultural specialist engagement involved exactly this scenario: a book acquired from an insurer that gave up trying to migrate it. Nobody had documentation for the source system. Discovery revealed complexity that due diligence never surfaced.
The underwriters who came with the acquisition know their book intimately. They don't trust that a migration will preserve the nuances – the retroactive adjustments, the bespoke endorsements, the relationship-specific terms they've negotiated over years. If the migration loses those nuances, you lose the underwriting talent that makes the book valuable.
Underwriter attrition following a botched migration is a real risk. The people who understand the acquired book are exactly the people you can't afford to lose.
The acquired book may operate under different regulatory regimes – different filing requirements, different reserve calculation methodologies, different reporting obligations. Consolidating onto a single PAS means harmonising regulatory compliance across both books without disrupting either.
Regulatory non-compliance during migration is the single highest-risk item in acquisition integration. Your regulator doesn't care that you just closed a deal.
Before promising the board a consolidation date, you need to understand what you actually acquired. KeystoneMigrate's AI-powered discovery maps the full book – every policy class, every endorsement type, every regulatory obligation – even when the source system has no documentation. The acquired underwriters validate the model. You get a realistic timeline and cost estimate, not a best-case fantasy.
KeystoneMigrate runs the consolidation in your data platform (Databricks, Snowflake, Fabric, or similar) in parallel with both live systems. The acquired book continues operating on its legacy PAS while the migration executes. No disruption to in-force policies, claims processing, or regulatory reporting on either side. The acquired underwriters keep working while their book moves beneath them.
Full reconciliation across both books. Every acquired policy verified against the source. Endorsement chains preserved – including the nuances that make the book valuable. Reserve calculations reconciled across both methodologies. KeystoneMigrate's checkpoint validation gives the acquired underwriters evidence that their book survived the move.
A commercial lines book acquired from a carrier on a common PAS platform. Endorsement structures are well-understood and regulatory regime is familiar. KeystoneMigrate accelerates the consolidation with automated reconciliation and evidence packs. Typical timeline: 3-5 months.
96% source-to-target data mapping
96% data mapping from a black-box source system nobody had seen before — exactly the challenge in acquisition migrations where you don't fully understand what you've bought.
6 months from engagement to completion
6 months from a completely unknown source system. The agricultural specialist engagement was itself an acquisition — a book acquired from an insurer that gave up migrating it.
100% programmatic — zero manual rekeying
100% programmatic migration with zero manual rekeying. Acquired books need programmatic accuracy — manual rekeying at scale introduces the errors that erode underwriter trust.
Based on engagement data. Exact figures pending final verification.
The book has value. The acquisition made strategic sense. But every month on dual platforms erodes the economics. Let's get the consolidation moving with a realistic plan and a methodology that your actuaries and underwriters will trust.