G U I D E INSURANCE TECH STACK The 2026 A Comprehensive Guide by Key Management Group (KMG) Visit to learn more: www.kmgus.com www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved What to Add, Upgrade & Retire As 2025 wraps up, insurance carriers grapple with intensifying real-time risks, demands for instant personalization, and heightened regulatory scrutiny amid a rapidly digitizing landscape. Fragmented legacy systems continue to block AI adoption, predictive pricing, and seamless ecosystem integrations, resulting in interrupted operations and untapped growth potential. Moving into 2026, leaders are prioritizing a tech foundation that is connected, cloud-native, and AI-responsive—one that can: Introduction Understanding The 2026 Tech Stack The 2026 insurance tech stack is not just an upgrade but an enabler for transformation. It’s about connecting ecosystems, anticipating customer needs before they arise, and turning data into proactive insights. Key layers include: Process data continuously Adapt to emerging risks Deliver personalized experiences at scale This guide walks you through the key additions, upgrades, and retirements shaping the 2026 insurance tech stack. www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved AI-Driven Decisioning AI Layer Real-Time Data & Analytics Integration & Automation Data Layer Connected Operations Layer Cloud-Native Core Platforms Core Layer Customer Experience CX Layer Key Barriers To Scalable Digital Operations Legacy systems create silos, delaying insights and inflating costs amid rising cyber threats and climate data volumes. Manual integrations fail against AI- driven fraud and microinsurance needs. Fragmented Architectures Disconnected systems prevent real-time data flow, slowing workflows. The Silent Roadblocks Limited AI Readiness Inconsistent data quality, legacy cores, and manual processes restrict the adoption of AI. Gaps in Compliance Aging infrastructure increases vulnerability and makes regulatory reporting slower. Outdated Integration Models Point-to-point connections crumble under the demand for API-first ecosystems. A Quick Tech-in-Insurance Snapshot The global insurtech market size was estimated at USD 5.45 billion in 2022 and is projected to reach USD 152.43 billion by 2030. *Source www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved 52.7% CAGR Among insurers using AI, around 81% cite cost reduction as a top benefit. *Source These trends underscore how rapidly AI and insurtech are reshaping insurance, turning technology adoption into a key driver of efficiency, innovation, and competitive advantage. Shaping the 2026 Stack Building a 2026-ready stack means knowing what to introduce, what to strengthen, and what to phase out. It’s a selective redesign, not a full rebuild. www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved What’s New, What’s Next & What’s No Longer Needed WHAT TO ADD FOCUS AREA WHY IT MATTERS Agentic AI Assistants Automate routine decisions, boost speed, and improve customer/agent experiences Composable API- Ready Services Enable easier integration with core platforms Real-Time Data & Analytics Pipelines Improve underwriting accuracy, fraud detection, and operational visibility Cloud-First Infrastructure Enhance scalability and resilience and lower total cost of ownership Enterprise Automation (Next-Gen RPA) Introduce intelligent automation to eliminate repetitive tasks and streamline core operations Add Upgrade Retire Add what creates value, upgrade what strengthens it, retire what restricts it. www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved WHAT TO UPGRADE FOCUS AREA WHY IT MATTERS Legacy Platforms Move to modular or no-code systems for agility and faster change cycles Customer & Agent Portals Modernize UX, add self-service, and support omnichannel engagement Integration Layer / Middleware Replace patchwork connectors with unified, API- driven integration for smoother workflows Deterministic Rating Engines Replace rule-based pricing engines with adaptive decisioning that learns from outcomes & changing risks Traditional RPA Bots → Intelligent Automation Evolve rule-based bots into AI-orchestrated automation for scale, reliability, and lower maintenance WHAT TO RETIRE FOCUS AREA WHY IT MATTERS Manual, Email- Based Workflows They slow down service delivery and increase error rates Disjointed Point Solutions Consolidate tools to reduce cost, complexity, and data silos On-Prem Systems Blocking Scalability Retire systems that limit speed, updates, and ecosystem connectivity Outdated Reporting Dashboards Replace static reports with real-time insights that support decisions Rigid Core Suites Decommission inflexible, one-size-fits-all core systems that slow changes and ecosystem integration Step 1: Define Your Transformation Goals Set 2–3 clear outcomes for underwriting, claims, or CX that your 2026 stack must enable. 6 Steps to Build Your 2026 Stack Step 2: Map Critical Journeys Identify the customer and internal journeys where improvements will have the biggest impact. Step 3: Enable Real- Time Data Flows Activate or connect real- time sources to establish continuous data availability. Step 4: Introduce AI- Driven Capabilities Start layering AI assistants, scoring models, or automation to elevate decision-making and speed. Step 5: Validate Interoperability Ensure new tools, APIs, and cloud services work seamlessly with existing systems. Step 6: Establish a Continuous Improvement Loop Monitor performance, refine configurations, and expand capabilities in controlled cycles. www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved 5 Best Practices for Insurers Start with high-ROI pilots Embed governance in every AI deployment Train teams on agentic tools Partner for ecosystems early Audit stacks quarterly for retirement candidates At KMG, we help insurers modernize their 2026 tech stack with AI-based automation, intelligence, and scalable design across every layer of operations: How KMG Accelerates Your 2026 Transformation Building a future-ready 2026 insurance tech stack is a journey but you don’t have to do it alone. 👉 Assess your current systems, data flows, and tech stack gaps. 👉 Identify where to add AI, upgrade cloud and analytics, and phase out legacy platforms. 👉 Prioritize high-impact use cases in underwriting, claims, and customer experience. 👉 Define a phased roadmap for integrations, cloud migration, and AI enablement with clear KPIs. 👉 Partner with KMG to design and implement a modern, secure, scalable 2026- ready insurance tech stack. Next Steps Visit www.kmgus.com and learn more. Enable intelligent automation across the insurance workflows. Deliver scalable customization tailored to client needs and market segments. Move legacy environments to cloud and API-driven ecosystems seamlessly. Implement real-time data and AI capabilities to power faster, smarter decisions. Whether you’re modernizing selectively or transforming end-to-end, KMG ensures your stack evolves with your business—not the other way around. www.kmgus.com sales@kmgus.com Scan for more information 2025 All rights reserved Take the next step toward a smarter, faster, AI-ready insurance ecosystem—partner with KMG