Institutional Precision at Scale
Institutional Annuities · Pension Risk Transfer
Demand is there. Onboarding is the limit. Case sizes and benefit complexity keep climbing, and existing platforms were built for administration — not for onboarding at scale. Xterion enables carriers to bid on deals they would otherwise decline — and take on new business as fast as they can win it.
Price & Onboard with speed and precision Manage the book with confidence
Existing systems are built for administration. Xterion is built for growth.
Automation across the onboarding lifecycle — AI-assisted bid file extraction, quoting for deferred and complex benefits, census ingestion with automated IGO/NIGO validation, and premium reconciliation. Increase transaction capacity without increasing operational burden.
From pricing baseline through onboarding reconciliation and premium true-up to certificate cutover, Xterion carries the same transaction forward — preserving terms, participant changes, and approvals through implementation and into ongoing portfolio insight.
Monitor demographics, cash flow, commencement projections, and exposure and concentration in real time — with the deferred lifecycle tracked continuously. Drill from book-level insights to a single certificate through one connected view.
Clear view into the data, controls, and methodology behind each carrier decision point.
Growth shouldn't mean replacing what already works. Xterion wraps your payment system rather than competing with it.
Pricing, onboarding, and cutover — everything that happens before a certificate reaches the payment system.
Benefit state and reconciliation maintained continuously, in step with the system of record rather than behind it.
Full book analytics and reporting, drawn from the same connected data rather than assembled after the fact.
Event-driven push — approval, cutover, retirement. No batch windows.
Benefit rules, form mappings, and validation logic are configured per carrier and promoted through controlled environments — sandbox to production, never the reverse. Carrier-specific behavior evolves without branching the core platform.
Co-pilot embedded in the workflow — exception triage, pricing analysis, RFP summarization. Operators augmented for judgment work rather than replaced by it.
Source data is immutable and financial records are versioned, so any value can be traced to its before-and-after state. Missing data is flagged, never silently defaulted.
Analytical liability and reserve calculations run under an explicitly identified basis — mortality table, improvement scale, discount curve — with every assumption recorded against the result it produced.
Built and deployed on AWS — dedicated carrier environments with network isolation, encryption at rest, and comprehensive audit logging.
Working toward SOC 2 Type II.
Get in touch
Interested in learning more about Xterion?
We'd welcome the opportunity to connect.
Thirty years in group insurance, the last five in group annuities and pension risk transfer. Development and leadership roles across IT and the business, at carriers, consultancies, and software vendors — building underwriting, policy administration, analytics, and onboarding platforms.
Over thirty years in financial services and fintech, including the leadership team of two successful startups, a decade at Barclays in senior leadership roles, and most recently CFO and COO at Mercury Financial. At Barclays, launched an online deposits business now a $20B+ franchise.