Majesco / Sapiens Compliance Archive — 50-State + NAIC + #797 + HIPAA + Reinsurance

Majesco / sapiens compliance archive is a retention-policy-managed archive of Majesco P&C/L&A Core Suite or Sapiens IDIT/ALIS policy, billing and claims data that satisfies the full stack of P&C and L&A insurance regulatory retention obligations. Those obligations are stacked: state insurance commissioner rules (5-30+ years, every state different), NAIC Model Audit Rule (7-year financial trail), NAIC Model #797 (L&A replacement record retention), HIPAA (workers-comp and L&A medical records, indefinite for protected records), GDPR (EU policyholder data, 6-year typical), SOX (7-year financial records), reinsurance treaty audit horizons (10-30+ years for long-tail liability), L&A in-force policies (effectively indefinite while in force), and state statute-of-limitations on claims. Syntra ETL's majesco / sapiens compliance archive captures every record and every attachment with per-jurisdiction retention enforcement, chain-of-custody logging and queryable evidence packs.

All 50 states plus DC, plus US territories with insurance regulators, plus international jurisdictions where Majesco and Sapiens customers operate (EU, UK, Canada, Australia, Latin America, APAC). Examples of common US rules: New York Reg 152 requires 6 years post-policy-end for most P&C lines plus effectively indefinite for in-force life-insurance records. California CCR Title 10 §2695.4 requires 5 years for most P&C lines. Texas 28 TAC §21.203 requires 10 years on policy and claim files. Florida FL Statute 626.748 requires 5 years post-claim-closure. Workers comp lines add HIPAA-grade medical-record retention. Long-tail liability (asbestos, environmental, professional liability) practically extends retention 30+ years. The compliance archive tags every record with its applicable state(s) and runs the retention clocks independently.

The NAIC Model Audit Rule (MAR) requires P&C and L&A insurers to maintain a 7-year audit trail of financial records supporting statutory filings including the annual statement, Schedule P loss reserves (P&C), Schedule F reinsurance, Schedule G mortgage loans, and the SAO actuarial opinion. The majesco / sapiens compliance archive captures the full chain: premium ledger from Policy module, paid-loss ledger from Claims module, ceded premium and recovery from Reinsurance module, plus every reserve change (case + IBNR for P&C, policy reserves for L&A) underpinning Schedule P and the L&A actuarial opinion. Every record is hash-signed and timestamped. When the NAIC MAR examiner traces a number back through supporting detail, the chain resolves in queries against the archive — not a manual reconstruction.

Yes. NAIC Model #797 (Life Insurance and Annuities Replacement) requires L&A carriers to maintain detailed records when a new policy replaces an existing one — including the replacement disclosure form, the comparative illustration, the suitability analysis, the producer's recommendation rationale and the policyholder's signed acknowledgment. These records must be retained per state-specific rules (often 3-5 years post-replacement, but some states longer). The compliance archive tags every L&A replacement record with the policyholder, the replaced policy, the new policy, the producer, the state of issue and the applicable #797 retention clock. Random-sample retrievals for state-commissioner #797 audits return in minutes with full documentation pack.

Yes — both workers-comp claim medical records and L&A application medical exam records. Workers-comp claims routinely contain HIPAA-protected medical information: treatment notes, IME reports, prescription history, surgical records, return-to-work assessments, disability ratings. L&A application files contain medical exam data: paramedical exams, blood/urine results, EKG results, attending physician statements, MIB Group reports. HIPAA requires minimum-necessary access, role-based access control, chain-of-custody on every access, and breach-response capabilities. The compliance archive enforces all of these at the query level: HIPAA-protected medical records are gated by HIPAA-trained role flags, every retrieval is logged immutably, and breach-response queries return in seconds.

Reinsurance audits — from treaty reinsurers like Munich Re or Swiss Re, facultative placements, or captive reviews — typically run on 10-30+ year audit horizons for long-tail liability lines and effectively indefinite for L&A long-duration treaties. The audit requires ceded premium and recovery history per treaty per layer, plus traceability from a ceded premium amount back to the source policy and from a ceded recovery back to the source claim. The compliance archive preserves the full reinsurance chain: treaty definitions, layer attachments, facultative placements, cession history, recovery history, bordereaux extracts, plus cross-references to source policies and claims. Reinsurance audit response time drops from quarter-long reconstruction projects to single-day query packs.

Multiple evidence layers. Every record carries a hash signature, source-system identifier and extraction timestamp — immutable proof of capture. Every state retention clock-start date is recorded so per-jurisdiction enforcement is verifiable. Every read access is logged immutably with user identity / timestamp / query parameters / returned record count / data classification. Sign-off packs for the initial archive build and ongoing incremental archive captures are signed by statutory accounting, actuarial (P&C + L&A), claims, compliance and reinsurance leads. Exam-response packs bundle the requested records plus attachments plus the access log as a signed evidence bundle. Auditors get math they can verify — not vendor claims they have to trust.

Yes. Legal hold and litigation discovery are critical for P&C and L&A insurers because adverse claim outcomes and contested L&A claim denials routinely trigger litigation, and litigation extends retention obligations beyond standard state-commissioner rules. The compliance archive supports legal-hold flagging at the policy, claim and attachment level — flagged data is preserved past its standard retention clock until the legal hold is released. Discovery queries return packaged evidence bundles with full chain-of-custody for the litigation file. Bates numbering and discovery-export formats are supported for opposing counsel delivery.