Insurance · Life · Non-life · Morocco
Modernising insurance IT without stopping everything.
Insurance systems are among the most complex: legacy products, actuarial calculations, distribution networks. We modernise them from within, for insurers and bancassurers in Morocco, without operational disruption.
Our domains
From underwriting to claims
Policy administration modernisation
Progressive migration of policy administration systems, packaged or in-house. Service continuity at every step.
IFRS 17 & solvency
Data architecture for IFRS 17 and the risk-based solvency regime driven by ACAPS: provisions, automated reporting, calmer closings.
Distribution & bancassurance
Distribution APIs for agents, brokers and bank networks, policyholder portals. A modern experience without rebuilding the back office.
Claims & indemnification
Claims processing orchestration, fraud detection, automatic pre-assessment. Shorter timelines, controlled costs.
Actuarial data
Reliable actuarial data pipelines and interfaces with modelling tools. Traceable data, reproducible models.
Open insurance & APIs
Product APIs, integration with comparison sites and partner platforms. Ready for digital distribution.
Regulatory framework
The regulatory framework we design in from day one
An insurer in Morocco answers to ACAPS, protects sensitive data and, if it belongs to an international group, must also produce its parent's metrics.
- ACAPS & insurance code
- Prudential supervision, regulatory reporting and the risk-based solvency programme; law 17-99, the insurance code.
- IFRS 17
- For insurers reporting under IFRS: data granularity, provision calculation, audit trail.
- Law 09-08 & CNDP
- Policyholders' health and personal data, with transfers outside Morocco subject to authorisation.
- Solvency II
- For subsidiaries of European groups that must report compliant data to their parent.
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FAQ
Frequently asked questions
Does modernising an insurer mean replacing the whole system?
Rarely. Most insurers gain more by wrapping the legacy behind APIs, then replacing components one at a time, starting with those that block distribution or reporting. A full replacement is justified when the system can no longer evolve at all — and even then, it is done in batches.
How do you prepare data for IFRS 17?
By starting from the granularity requirements — groups of contracts, annual cohorts — and tracing back to the source systems. It is mostly data work: quality, history, traceability down to the published figure. We build reproducible pipelines so every number can be explained to an auditor.
Can you integrate our bancassurance networks?
Yes. Bancassurance means exposing pricing, underwriting and policy tracking to partner banks' systems, with strict access control. We design versioned, secured APIs so each network can integrate without custom work on the insurer's side.
How does an engagement with Coda Solutions start?
With a 30-minute first conversation with a senior engineer. If the need is confirmed, we scope it, then propose an engagement model: fixed scope, embedded team or architecture advisory.