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In this compelling episode of the Higson Rules Engine Podcast, we spoke with Mariusz Zagajewski, an industry veteran with deep experience in both the strategic and operational domains of the insurance sector. His insights reveal how insurance companies are increasingly relying on intelligent tools like Higson, a modern business rules engine, to overcome operational bottlenecks, optimize claims, and accelerate time-to-market.
From manual product configurations to automating low-value claims, this conversation highlights how solutions like Higson are shifting the paradigm of agility in the insurance industry.
Meet Mariusz Zagajewski?
Mariusz's career spans actuarial mathematics, product management, and C-level operational leadership. He has worked across both life and non-life insurance domains and has held roles ranging from actuary to managing director overseeing claims and strategic initiatives. Now at Decerto, Mariusz supports sales and development operations, particularly in areas related to digital transformation in the insurance sector. It’s from this multifaceted background that he evaluates Higson - not as a trendy tool, but as a solution born of necessity.
The Business Rules Engine: Born from Necessity
According to Mariusz, tools like Higson don’t exist because vendors created a market - they exist because insurance companies have long struggled with fragmented processes and hard-to-maintain spreadsheets.
“We had product implementations across multiple teams, stored in Excel. We couldn’t audit or version anything properly.”
This lack of transparency, traceability, and control screamed for a centralized, auditable business rules engine—and that’s exactly what Higson delivers.
Practical Applications: Where Higson Creates Real Value
Mariusz outlines five key areas where Higson revolutionizes operations:
1. Automating Operational Workflows
Manual tasks? Gone. With Higson, rule-based workflows are executed automatically, freeing teams to focus on customer engagement and strategic thinking.
2. Claims Optimization
Especially in low-risk, low-value cases, Higson automates decision-making to reduce legal costs and shorten response times.
3. Real-Time Pricing Calculations
As a robust dynamic pricing engine, Higson empowers insurers to calculate premiums on the fly. This is critical in competitive areas like auto or travel insurance, where price sensitivity is high.
4. CRM Campaigns & Personalized Offers
Higson integrates with CRMs to enable flexible, targeted promotions. Changes to pricing rules or discounts can be deployed instantly - no need to wait for IT.
5. Extending Legacy Systems
Don’t throw out the old core systems. Higson acts as a nimble layer on top, handling rules, pricing, and product configurations externall - no major replatforming required.
More Than a Rules Engine: A Strategic Tool
While the term business rules engine might sound too narrow, Higson is far more than a set of logic tables.
“It's not just rules. It's about speed, flexibility, and moving control from IT to business users,” says Mariusz.
This shift enables agility in environments where product configuration and pricing logic change rapidly.
The Higson Advantage: What Sets It Apart
Lightning-Fast Calculations
Higson can process thousands of rules per second, even with complex configurations making it a high-performance insurance product configurator.
Business-User Friendly
With Higson Studio, even non-technical users can manage and test rules through an intuitive interface - reducing IT bottlenecks dramatically.
Regulatory Compliance
Every rule change is tracked and versioned, supporting full auditability and ensuring compliance at all stages of the product lifecycle.
Seamless Integration
Higson’s modular architecture and API-first design make it plug-and-play with any core insurance platform.
Operational Cost Reduction
By minimizing manual work and offloading logic from legacy systems, Higson helps cut infrastructure and labor costs significantly.
When You Know It’s Time for a Rules Engine
Wondering if a business rules engine like Higson is the right fit? Mariusz offers these diagnostic cues:
- You're running repetitive processes manually
- Product changes take weeks to implement
- IT can’t keep up with business requests
- You rely on massive Excel sheets for rules
- Legacy systems can't support real-time pricing or personalization
If this sounds familiar, it's time to consider a proof of concept with Higson.
Built for Today’s Insurance Landscape
In today’s hyper-competitive insurance markets, whether you're pricing motor, travel, or health insurance, agility is non-negotiable. Products must:
- React to real-time customer behavior
- Use highly customizable, multi-variable pricing models
- Integrate quickly into legacy systems without disrupting core platforms
That’s where Higson thrives: as both a dynamic pricing engine and an insurance product configurator capable of handling thousands of decisions in milliseconds.
Mariusz’s Final Take
“Higson is not hypothetical—it works. And it works fast. It’s one of the few solutions where IT and business actually move in sync.”
Whether you're at the start of your digital transformation journey or looking to level up existing systems, Higson delivers measurable ROI without the complexity of ripping and replacing core systems.
Final Word
Mariusz Zagajewski’s conversation with us underscores one thing: tools like Higson are no longer optional. As a high-performance business rules engine, an adaptable insurance product configurator, and a fast-moving dynamic pricing engine, Higson is designed to power the future of digital insurance operations.
Want to see it in action? Schedule a free Proof of Concept today and experience firsthand how Higson empowers your teams to move faster, with confidence.
FAQs
1. What is a business rules engine in insurance?
A business rules engine (BRE) is a software system that automates decision logic, like eligibility, pricing, and claims rules, making operations more agile and transparent.
2. How does Higson support dynamic pricing in insurance?
Higson enables insurers to instantly update and apply pricing logic based on changing variables—supporting real-time personalized quotes.
3. Can business users manage rules without IT involvement?
Yes. Higson Studio allows business teams to test, deploy, and modify rules via an intuitive UI, reducing IT dependency.
4. Is Higson an insurance product configurator?
Absolutely. Higson supports complex product configuration, enabling fast updates, versioning, and deployment without code changes.
5. What systems can Higson integrate with?
Higson uses REST APIs and modular design to connect with legacy systems, CRMs, policy admin systems, and more.
6. How can I try Higson for my insurance organization?
You can request a free Proof of Concept from the Higson team to evaluate its fit within your business workflows.