You've run the numbers. Staying on the legacy platform costs more than moving – in underwriter productivity, broker responsiveness, regulatory overhead, and competitive position. The question isn't whether to migrate. It's how to make the unit economics work.
Every workaround, every manual reconciliation, every spreadsheet that exists because the system can't do what underwriters need – it all adds up. Your best underwriters spend a significant portion of their time on system-fighting rather than risk assessment, broker relationships, and new business development. That's premium leakage you can measure.
Underwriter productivity improvement from PAS modernisation typically ranges from 20-35% in the first year post-migration. That's capacity to write new business without hiring.
Brokers route business to carriers that can respond quickly. Your legacy PAS makes simple quotes slow and complex quotes glacial. The brokers haven't stopped calling yet – but they're calling your competitors first. The business you're losing isn't visible in any report because the submissions never arrive.
Quote turnaround time reduction from PAS modernisation: from days to same-day for standard commercial lines. For complex specialty, from weeks to days.
Carriers on modern platforms are launching new products in weeks, adjusting rating models in real time, and giving brokers the digital experience they expect. Your legacy PAS can't do any of these things without multi-month development cycles and regression testing that delays everything. The competitive gap is widening and it's not going to close on its own.
Time-to-market for new products: legacy PAS averages months vs weeks on modern platforms. Every quarter on legacy is another quarter your competitors are pulling ahead.
The legacy PAS accumulates another year of endorsements, policy changes, and workarounds. The data model drifts further from any standard. The people who understand the system get closer to retirement. But here's the shift: modern migration tooling is driving down unit economics the way shale extraction drove down oil costs. Migrations that were unviable five years ago are now financially compelling – if you use the right methodology.
Migration complexity increases annually due to accumulated technical debt, but KeystoneMigrate's programmatic approach drives down unit costs, making the business case stronger each year as tooling improves.
Modernisation migrations have the luxury of time – but they also need the strongest business case because there's no external forcing function. KeystoneMigrate's planning phase maps your full book and produces a realistic cost and timeline estimate. This isn't a sales estimate. It's a blueprint your CFO can scrutinise, grounded in data from your actual book – not industry averages.
Without a vendor sunset deadline or an acquisition integration window, modernisation migrations can be phased strategically. Migrate the simplest LOBs first to build confidence and demonstrate the methodology. Then tackle the complex specialty book. KeystoneMigrate's checkpoint validation produces evidence at each phase – you don't wait until the end to find out if it worked.
Phase 1 (standard commercial lines) produces reconciliation reports your underwriters can verify. Phase 2 (complex specialty) builds on that evidence. By the time you're migrating the exotic classes, the methodology has been proven on your own data. Each phase strengthens the business case for the next – and gives the board confidence to continue funding the programme.
Standard commercial lines migration driven by operational efficiency goals. The legacy PAS works but is slow, expensive, and blocking innovation. KeystoneMigrate accelerates the migration with automated validation, freeing underwriters and IT from manual reconciliation. Typical timeline: 3-5 months. Often the first phase of a larger programme – the proving ground for methodology.
96% source-to-target data mapping
96% source-to-target data mapping from a completely undocumented source. For modernisation from a known legacy PAS, mapping coverage is expected to be even higher — the source is documented, just outdated.
100% programmatic — zero manual rekeying
100% programmatic migration — zero manual rekeying. Programmatic methodology drives down unit economics, making the business case for modernisation financially compelling at any book size.
6 months from engagement to completion
6 months from a black-box source. Modernisation from a known legacy PAS benefits from existing documentation, enabling faster discovery and shorter delivery timelines.
Based on engagement data. Exact figures pending final verification.
Every quarter on the legacy PAS compounds the technical debt, the operational cost, and the competitive disadvantage. The migration won't get easier. But with the right methodology and the right tooling, the unit economics now work.