Domain-object deep dive for majesco / sapiens policy, claims, billing, underwriting migration to Oracle Fusion. Each domain has its own extraction profile, crosswalk library and reconciliation register across P&C and L&A — plus the Reinsurance and ALIS extensions.
Policy, Claims, Billing, Underwriting and Reinsurance share a Majesco/Sapiens data model but have radically different downstream Oracle Fusion targets, reconciliation requirements and state-retention obligations. Treating them as one migration project misses the per-domain complexity.
Policy domain covers policies, risks, coverages, endorsements, premium transactions and product configuration. Its downstream target is Fusion Revenue Recognition + GL with written/earned/unearned premium split per LOB per period. Reconciliation runs at premium-register level: written, earned and unearned per LOB per legal entity per period — Majesco/Sapiens source vs Fusion target — to the cent.
Claims domain covers claims, exposures, reserves, indemnity payments, expense payments, recovery payments and SIU flags. Downstream target is Fusion paid-loss GL + AP for claimant payments. Reserve history (case + IBNR) is preserved as evidence metadata for Schedule P loss-development triangle (P&C) and AAA + VM-20 PBR substantiation (L&A). Reconciliation runs at paid-loss-register level and includes Schedule P triangle reconstruction.
Billing domain covers bills, receipts, disbursements and commission settlement — downstream to Fusion AR + AP with a premium-to-cash bridge. Underwriting domain covers risk assessment, rating-rule outputs and underwriter overrides — multi-TB attachment volume drives the timeline. Reinsurance domain covers treaty + facultative + bordereaux cession — preserved with cross-references to source policies and claims for 30+ year audit horizons. ALIS L&A adds five extension domains (policy-policyholder, deferred premium, cash value, dividend, NAIC #797). Each domain gets its own design — and they all run through the same unified pipeline.
One pipeline, five domain-aware data flows. Each one designed for its downstream Fusion target and its retention horizon.
Policies, risks, coverages, endorsements, premium transactions — preserved with written/earned/unearned split and per-state COA derivation. Custom rating rule outputs decoded per policy version.
Claims, exposures, reserves (case + IBNR), indemnity + expense + recovery payments, SIU flags — reserve history preserved for Schedule P + AAA. Attachment streaming multi-TB.
Bills, receipts, disbursements, commission settlement, NSF/write-offs — premium-to-cash bridge for statutory tie-out. Daily cash register reconciliation.
Risk assessment data, rating-rule outputs, underwriter overrides, custom workflows — multi-TB attachment volume (UW files, loss-control reports, L&A medical exams).
Treaty cessions, facultative placements, bordereaux extracts, ceded premium, ceded loss recoveries — 10-30+ year audit horizons with policy/claim cross-references.
Policy-policyholder, deferred premium, cash value tracking, dividend processing, NAIC #797 replacement records, 1099-R distribution reporting.
Each domain has its own design phase and load phase. The dependency order respects Fusion data dependencies.
Per-domain inventory: which products, which LOBs, which states, which custom rating rules, which workflow extensions, which integration endpoints. Volume estimates per domain across 5/10/20 year horizons.
Policy module extraction (Data Lake/IDIT/JDBC), written/earned/unearned crosswalk, custom rating rule decoding, per-state COA derivation, Fusion Revenue Recognition + GL load, premium register reconciliation.
Claims module + Reinsurance module extraction. Reserve history preserved as evidence metadata. Paid-loss → Fusion GL + AP. Ceded → Fusion ceded GL. Schedule P loss-development triangle reconstruction.
Billing module extraction. Cash receipts → Fusion AR. Commission disbursements + claimant payments → Fusion AP. Premium-to-cash bridge for statutory tie-out. Daily cash register reconciliation.
Underwriting module extraction. Multi-TB attachment streaming. Rating-rule outputs decoded. Underwriter overrides preserved as evidence metadata. Workflow definitions archived as substantiation.
L&A-specific extensions: policy-policyholder, deferred premium, cash value, dividend, NAIC #797. 1099-R distribution reporting. Final reconciliation across all domains. Statutory + GAAP + actuarial sign-off. Production cutover.
Each domain's reconciliation register is signed independently and rolled up into the per-close reconciliation pack.
Written, earned, unearned premium per LOB per legal entity per period — source Policy module vs Fusion revenue + unearned liability — to the cent.
Indemnity + expense + recovery per coverage per claim per period — source Claims module vs Fusion paid-loss GL + AP — Schedule P aligned.
Daily cash receipts vs Fusion AR cash application per bank account — full daily tie-out. Commission disbursements vs Fusion AP commissions.
Ceded premium and ceded loss recovery per treaty per layer — bordereaux register vs Fusion ceded GL — 30+ year audit horizons.
Per-claim reserve change history preserved as evidence metadata — actuarial loss-development triangle reconstructible for Schedule P and L&A AAA.
Deferred premium recognition, cash value, dividend distribution, surrender values, NAIC #797 replacement records, 1099-R distribution reporting — per-policy per-policyholder.
It covers domain-object-level extraction, transformation and load of the four core Majesco/Sapiens modules — Policy, Claims, Billing, Underwriting — plus the supporting Reinsurance module and (for L&A) Sapiens ALIS extensions. Each domain has its own data model, its own customization layer, its own state-retention requirements and its own downstream Oracle Fusion target. Policy domain covers policies, risks, coverages, endorsements, premium transactions and product configuration. Claims covers claims, exposures, reserves, payments, recoveries and SIU flags. Billing covers bills, invoices, receipts, disbursements and commission settlement. Underwriting covers risk assessment, custom rating rules and underwriter overrides.
Three reasons. (1) Premium ledger has a written/earned/unearned split that has to be preserved per LOB per period for Fusion Revenue Recognition + GL alignment. A policy issued mid-year has written premium today, earned premium accruing daily and unearned reserve liability — each landing in a different Fusion account. (2) Custom rating-rule outputs (Majesco Rate Manager, Sapiens RuleXpress) are not core schema columns — they're computed attributes that have to be decoded per policy version. (3) State-of-admission spread means premium for a given LOB often lands in different Fusion legal entities per state — and the policy domain has to carry state-of-risk metadata end-to-end for the Fusion COA derivation to work.
P&C claims domain covers claims, exposures, reserves (case + IBNR), indemnity payments, expense payments, recovery payments and SIU flags. The reserve history (case + IBNR) is the actuarial substantiation backbone for Schedule P loss-development triangle and statutory reserves. L&A claims domain covers death claims, annuity surrender events, dividend distribution and policy maturity payouts. Reserve methodology differs — L&A uses mortality tables and Asset Adequacy Analysis (AAA), not Schedule P triangles. The migration preserves both: P&C reserve history for Schedule P; L&A reserve adequacy and assumption history for AAA + VM-20 PBR substantiation.
Billing module holds the cash ledger (bills, invoices, receipts, disbursements, NSF/write-offs) which has to be reconciled separately from the Policy module premium ledger. The premium ledger is what was written/earned; the cash ledger is what was billed and received. They diverge in the normal course of business (premium installments, premium financing, delinquencies, policy cancellations with pro-rata returns). The migration preserves both ledgers separately: premium → Fusion Revenue Recognition + GL; cash → Fusion AR (receipts) + AP (disbursements). The reconciliation framework includes a premium-to-cash bridge so statutory accounting can tie out the two ledgers per close period.
Three layers. (1) Risk assessment data: applicant data, prior claims history (CLUE/LexisNexis), motor vehicle reports (MVR), property inspection reports, loss-control reports, L&A medical exam records — typically multi-TB across 20+ years of state-retention. (2) Rating-rule outputs: per-policy rated premium with the specific Majesco Rate Manager rules or Sapiens RuleXpress decision tables that produced it, plus underwriter overrides and exception approvals. (3) Custom underwriting workflow extensions: BPM workflow definitions, custom underwriting screens and integration BPMs to bureau rate filings. Migration preserves all three — risk assessment data and rating outputs as data; workflow definitions as substantiation in the archive.
Reinsurance is the gnarliest domain. Treaty definitions, layer attachments, facultative placements, bordereaux reports, ceded premium and ceded loss recoveries all have to tie back to underlying policies and claims for 10-30+ years. Migration extracts the full reinsurance chain from Majesco Reinsurance module or Sapiens ReinsuranceMaster — treaty definitions, layer attachments, cession history, bordereaux extracts — and preserves cross-references to source policies and claims in the archive. Ceded premium and ceded loss-recovery flows continue to Fusion ceded GL via the new integration. For older treaties with manual bordereaux processes, historical bordereaux PDFs and Excel files are archived alongside structured data so any reinsurance audit resolves in a single query.
ALIS L&A adds five domain-specific layers on top of the P&C domains. (1) Policy-policyholder: per-policy life insured + per-policy owner relationships across joint policies and trust ownership. (2) Deferred premium recognition: per-contract per-performance-obligation recognition aligned with Fusion Revenue Recognition. (3) Cash value tracking: per-policy cash value at each anniversary with policy loan tracking. (4) Dividend processing: per-policyholder dividend distribution with paid-up additions and dividend options. (5) NAIC #797 replacement records: per-replaced-policy record for state-commissioner exam response. Year-end 1099-R distribution reporting is generated from the integrated dataset for IRS filing.
Per-domain estimates for a single-LOB project: Policy 4-6 weeks (most complex, premium ledger + custom rating rules + state-of-admission spread). Claims 3-5 weeks (reserve history complexity, attachment volume). Billing 2-4 weeks (cash + disbursement + commission). Underwriting 3-5 weeks (multi-TB attachment volume drives timeline). Reinsurance 2-4 weeks (cession trail complexity). L&A ALIS extensions add 3-5 weeks on top. Total for full-domain coverage of a multi-LOB P&C + L&A insurer: 14-20 weeks. Compared to consultant-led domain-by-domain migration (typically 9-18 months for the same scope) the time savings come from pre-built domain catalogs and pre-built crosswalk libraries.
Book a 30-minute discovery call. We'll walk through your Majesco/Sapiens module footprint per domain, your LOB and state spread, your reinsurance treaty structure and your ALIS L&A extensions — and propose a concrete domain-by-domain migration plan with sequencing and reconciliation design.