A Proven Platform for AI Generated Insurance Systems
The legacy financial model for insurance technology stretches until it breaks.
Legacy methods build costs exponentially. Every change costs more than the last. Every year of standing still costs more than the year before. Every year, the solution tech rots.
This is a tech design problem. Legacy platforms were snowballs gathering complexity and restrictions with every change. Change requests, upgrades, integrations, compliance — each one compounds the treading water costs.
“The more you invest in a legacy platform, the more expensive it becomes to leave — or to stay.”
Provide an AI plan with the correct foundation and it can accelerate your deliveries and even reduce the cost.
In 2022, our first customers started experimenting with LLMs, natural language interfaces, and other emerging ideas. We took that as the signal. We built rwInsure, rwExtend, and rwInnovate as complete, working insurance systems — not frameworks or toolkits. Every process, rule, and domain model is mapped by experienced insurance professionals. When you start a project, you start from a system that already works. AI agents trained on this proven codebase then customise it to your exact needs.
Start from complete systems that already handle real insurance.
Then let AI shape them to your exact requirements.
Your production system does not depend on AI. AI accelerates design and delivery — the running system is conventional, compiled, tested software. AI at runtime is a value-add, not a dependency.
Complete Insurance Architecture — Already Built into AI²
One operating system. Three ways to describe it.
AI² is designed to speak to every stakeholder — from the visionary to the pragmatist.
Actually Intelligent.
AI² doesn’t simulate intelligence — it applies it. The difference between artificial and actual intelligence is the difference between a system that mimics and one that understands.
Advanced by design.
Built on modern, enterprise-grade architecture from the ground up. AI² is not a legacy system with AI bolted on — it is a modern operating system designed for the demands of today’s insurance market.
Artificial Intelligence Ready from the start.
As AI capabilities evolve, AI² evolves with them. The architecture is designed to absorb new intelligence without disruption — your system grows smarter without starting over.
rwElements — the knowledge that trains AI²
rwElements is the complete modern insurance framework — design engineering by rw, entirely insurance focused, experienced professionals and technology experts. AI symbiotic from 2022. It contains every pattern, structure, and domain model that AI² needs to build and run insurance businesses.
Why rwElements changes everything
AI works best in a structured environment
rwElements gives AI² clear patterns, defined structures, reusable components, and strong guardrails. Instead of inventing the system, AI builds within it.
Built by insurance professionals and technologists
Every element of rwElements reflects deep insurance expertise from experienced professionals — underwriting, broking, policy administration, reinsurance, and more. AI symbiotic from 2022.
rwElements is the reference architecture
This is not a platform or just a PAS. rwElements is the complete modern insurance specification that makes AI-driven delivery via rwInsure possible at scale.
Expert years of engineering encoded in rwElements
The knowledge required to build and run insurance businesses is already captured. AI² constructs within rwElements — faster, safer, more consistently.
How AI² delivers your insurance business
The economics of software delivery change completely. Instead of large development teams building bespoke systems over years, AI² — supervised by our engineers — constructs high-quality tailored systems efficiently.
Business Discovery
Your business analyst meets ours. Together they describe the business problem in plain language.
AI Specification
AI² helps turn that conversation into a clear, precise system specification.
Supervised Construction
AI engineers — supervised by our engineers — build the system inside the rwElements framework.
Live Insurance Business
A perfectly matched, high-quality insurance system operating in your business.
This makes it possible to build perfectly matched insurance systems, not generic ones.
AI² is a concept delivered
The framework was developed over three years and is already operating in real insurance organisations. Businesses are running complete operations on AI² today.
rwInsure — built on AI² — already provides full lifecycle insurance processing including quoting, policy lifecycle management, and integrated financial modules in a cloud-ready architecture.
World Wide Experience
“Proven with live solutions worldwide.”
Vehicle Insurance — feasibility to service contract
The product brand had identified a group of customers with a requirement, and the carrier insurer had a product that was suitable. Working together with RWITL, they made a fast and flexible prototype using AI² and rwElements — and used it to win the service contract to provide the product and administration.
Sketches, descriptions, needs and wants
The parties provided sketches and descriptions of their options to cover the process. They had needs that must be covered and wants that would make a better solution. AI² was used from the start — even to refine the specification from the existing materials. These inputs briefed the AI² process on what was needed.
AI and Elements build the options
AI² and rwElements built the options and provided working prototypes to explain concepts and allow the customer to make informed design choices. Visual marketing, needs analysis, underwriting rules, rating process, and optional benefits — all presented as working prototypes, not documents.
Sprints with the customer and AI
Iteration sprints with the customer and AI² brought the solution to life. AI implemented changes and made working code extremely quickly, allowing the customer to fast-track their minimum viable and medium-term needs. AI was used with curation to build a reliable end result.
Concept to live in under 3 months
The insurance provider and the finance provider, working with RW and the AI team, progressed to delivery at a remarkable speed. The key wins were extremely fast business design and a lower total cost of delivery. The delivered system included an ecommerce branded smart functional portal for KYC, quote and bind, payments, and document fulfilment — in the partner’s brand — alongside a back office solution recording sales, risk details, contacts, invoicing, credit control, and policy lifecycle on premise at the carrier.
Partner Portal
Branded ecommerce for KYC, quote, bind, payments and documents
Carrier Back Office
Sales, risk, contacts, invoicing, credit control and policy lifecycle
Leading with a foundation of services that AI can use.
What others sell
What AI² is
The result for you
You own the product. We power the intelligence.
You pay a licence and an optional support services level agreement fee. The licence covers the intellectual property that makes AI-driven insurance possible — the tooling, the knowledge base, and the integration layer. Support services are optional because our success depends on adding value, not creating dependency.
IPR Licence
You licence rwElements, AI², and the tooling that powers your system. The fee reflects the value delivered — not headcount, not hours, not legacy maintenance overhead.
Full Service Design & Build
Our team works directly with you to design and build your insurance platform. From product rules to document templates to workflow automation — we build it together.
Unique to You
The completed product is yours. Your branding, your products, your rules, your workflows. Built on shared IP, but configured and deployed as a system unique to your business.
No Legacy Tax
We don’t charge you to keep old systems running. Your licence covers current capability and continuous improvement. When AI gets better, your system gets better — included.
Your Team, Your AI, Your Pace
We work alongside customer dev teams and AI. Customers have been very successful running their own projects — close to their own business, on top of the exact requirement, and responding to evolving opportunity as it appears. The platform is designed to support this.
Free Insurance Processing
Free as in free from restraints — not free of charge. Software is expensive to build, and even AIs need tokens. Our licence is not free. But the things we charge for beyond the licence are optional — our success depends on adding value, not on locking you in.
Free from legacy system maintenance
Free from large development teams just to keep systems running
Free from the constant cycle of maintaining technology rather than improving the business
Free to invest in progress instead of treading water
Free to focus on products, customers, and distribution
Free your ideas to grow
Pricing
Pricing reflects the value delivered — not headcount, hours, or legacy maintenance overhead.
Implementation
Timeline depends on complexity. We work alongside your team at your pace.
Data Residency
Self-hosted or from your choice of hosting provider data centre. We usually recommend AWS or Azure but we are platform-agnostic. The system is containerised, with Windows for SQL Server and desktop services as required.
Compliance
UK GDPR compliant. Projects are expected to be compliant with additional jurisdiction requirements as applicable. The software was developed with data privacy features built into rwElements from the ground up.
Named clients available on application after NDA.
The Company
RWITL is a joint venture of ITL Holdings Limited (est. 1989, UK) and Ravenswood Consulting (est. 1989, Australia). Both are privately owned limited companies. The partnership began working on projects together in 2012, and the joint venture was incorporated in 2015. In 2022 we committed fully to building a better insurance delivery system — prioritising technical excellence over rapid scaling. We are a self-funded startup. No outside investors, no board pressure, no compromises on quality.
Paul WilliamsonLinkedIn
Managing Director — RWITL Australia
Over 30 years in insurance IT. Successfully managed major system implementations at GIO, AMP, Suncorp, Chubb, Munich Re, QBE, and others.
Mark FletcherLinkedIn
Managing Director — RWITL UK & ITL Holdings Limited
Career in insurance technology from Sun Alliance Insurance in 1989. As Development Director at Policy Master / Sirius / SSP, principal architect of Sirius for Insurance (now SSP Pure) and managed service delivery across approximately 90 insurers in 25 countries. Co-founded RWITL in 2015 and leads the functional architecture of rwElements and AI², encoding three decades of cross-jurisdictional insurance experience into the platform.
Scot BrownLinkedIn
Principal Consultant — RWITL Australia
Over three decades as an insurance IT consultant with global experience across commercial, domestic, and professional lines.
Geoff CartwrightLinkedIn
CEO — ITL Holdings Limited
Company co-founder. The engineer behind many of our innovations. Provides leadership and guidance.
rWoody
AI Engineering Agent — RWITL
The AI agent that builds, deploys, monitors, and documents. Built this website. Writes deployment scripts. Monitors QuickBooks API health at 3am. Compares document templates across git branches. Works within guardrails, never sleeps.
AI² is built on modern, resilient insurtech
Insurance business organisations can run their systems on commodity hardware, with or without realtime AI.
.NET Architecture
Enterprise-grade backend built on Microsoft’s proven .NET platform.
React Interfaces
Modern, responsive user interfaces built with React.
SQL Server + NoSQL
SQL Server for structured data with NoSQL flexibility for dynamic models.
AWS / Azure Ready
Containerised deployment on AWS or Azure cloud infrastructure.
Horizontal Scaling
Scale effortlessly as your business grows, on commodity cloud.
Automated Monitoring
Built-in monitoring and alerting for operational confidence.
AI integration, DevOps, APIs, toolchain, and more.
Insurance businesses deserve to spend their energy moving forward.
They should spend it designing better products and serving customers. AI² exists to make that possible.
See the art of the possible
Bring us a real problem. We will show you how AI² can solve it.
Contact a regional office