End-of-support means no patches, no updates, and no regulatory compliance guarantee. Your insurer is operating on a platform that its own vendor has abandoned. Every month without a migration plan increases your regulatory exposure.
End-of-support doesn't pause your regulatory obligations. Solvency II reporting, FCA data integrity requirements, GDPR compliance – all still in force. Your compliance team is now responsible for maintaining regulatory outputs on a platform that the vendor won't fix if something breaks. The regulator expects you to have a migration plan, and 'we're working on it' isn't a plan.
Regulatory penalties for non-compliance during migration transition can be severe. The regulator expects a documented, time-bound migration programme – not an open-ended intention.
A PAS with no vendor support is a PAS with no security patches. Vulnerabilities discovered after end-of-support will not be fixed. Your CISO has flagged this. Your cyber insurance renewal is asking about it. The longer you operate on an unsupported platform, the higher the risk premium – and the harder the renewal conversation becomes.
Cyber insurance premiums increase significantly for organisations running unsupported core systems. Some underwriters exclude unsupported platforms entirely.
Your underwriters, developers, and operations staff know the platform is sunsetting. The best ones are already looking. The ones who stay are increasingly the only people who understand the system's undocumented quirks – and they know their leverage is growing. Institutional knowledge is concentrating in fewer, increasingly expensive people.
Key person dependency on sunsetting platforms typically increases year-on-year after end-of-life announcement. The people who understand the system become irreplaceable – and they know it.
New product launches, new distribution channels, new regulatory requirements – all blocked. Your competitors on modern platforms are responding to market changes in weeks. You're responding in quarters, if at all, because every change on the legacy PAS carries decommissioning risk.
Time-to-market for new products on sunsetting platforms degrades as the vendor withdraws development support. The competitive gap widens every quarter.
Vendor sunset migrations have a fixed deadline – the date support ends. KeystoneMigrate's planning phase accounts for this constraint. We map the book, identify the critical path, and build a timeline that works backwards from your deadline. If the deadline is unrealistic for a full-book migration, we identify which policy classes to prioritise and build a phased approach that gets the highest-risk classes off the sunsetting platform first.
The best time to migrate is while the old system is still supported. KeystoneMigrate executes in your data platform (Databricks, Snowflake, Fabric, or similar), running the migration in parallel with the live system. If issues arise, the vendor is still available for source system questions. Waiting until after end-of-support means migrating from a system nobody can fix – every ambiguity becomes a guess instead of a question you can answer.
Before you decommission the legacy PAS, you need evidence that nothing was lost. Full-book reconciliation. Regulatory documentation. Actuarial sign-off. KeystoneMigrate's checkpoint validation produces evidence packs that give your compliance team and your board the confidence to pull the plug on the old system.
Standard commercial lines on a sunsetting PAS where the target platform is already selected and the data model gap is well-understood. KeystoneMigrate accelerates the migration with automated validation and evidence packs, ensuring you meet the vendor's end-of-support deadline with margin. Typical timeline: 3-5 months.
6 months from engagement to completion
6 months from engagement to completion — half the original 12-month estimate. When your vendor has announced end-of-support, delivery speed against a hard deadline is everything.
100% programmatic — zero manual rekeying
100% programmatic migration eliminates the manual bottleneck. Vendor sunset timelines leave no room for the rekeying delays that extend traditional SI engagements.
96% source-to-target data mapping
96% source-to-target data mapping ensures completeness before decommissioning. Full mapping coverage gives your compliance team the evidence they need to sign off on sunsetting the legacy platform.
Based on engagement data. Exact figures pending final verification.
Every month you wait reduces your margin for error. Migrating while the vendor is still available for source system questions is significantly easier than migrating from an unsupported system. The deadline isn't moving. Your migration plan should be.