Dutch insurer NN’s Warsaw-based unit is one of the biggest life insurers in Poland, with separate sales, policy and operations systems. Benefits on insurance policies are adjusted for inflation (index) each year.

NN can’t afford any discrepancies between the systems, so the company uses Higson to maintain central and coherent product definitions and tariff versioning.
Use cases
Central product repository
Life insurance product configurations and metadata used across the entire architecture are maintained in one place: Hyperon, which communicates with other systems through an API.
Pricing configurator
Pricing calculation algorithms are defined and updated in Higson. Tariff versioning is of the utmost importance when handling long-standing policies concluded years ago on different terms.
Data dictionary repository
Reference data (e.g. postal codes, countries) is also kept in one place and reused in many systems.
Printout content management system
Every text to be printed (such as policies, offers) can be edited in Hyperon.
Efficiency in a complex architecture
Hyperon keeps track of hundreds of parameters used in several systems, with no lags perceived.
Parameters are updated without a new software version
Modifications to parameters don’t require releasing new software versions. Some changes go unnoticed by the systems communicating with Higson.
Flexible and quick configuration
Most changes don’t involve any coding thanks to the graphical user interface.
The challenge
The bank offers change frequently and usually with short notice. NOTUS has to respond rapidly to update quotes, terms, and even the sales process.
The Solution
The client recognized the need for a rules engine early on. NOTUS narrowed the choice to three systems:
When you include SLA, Drools become even more expensive than Higson. We believe that SLA is an essential factor for a financial institution with lots of customers.
Camunda requires to model processes using BPMN. In the NOTUS case, the process is constant. The configuration, on the other hand, changes frequently. Software developers are responsible for such modifications in Camunda.
This approach is expensive and time-consuming. Higson empowers business users to control the configuration. NOTUS valued this feature highly. Higson feature also appreciated by NOTUS is pricing.
The Development
NOTUS implemented Higson as a part of its new sales system for brokers.The developers praised Higson for its capacity to speed up the whole process.
The first public release of the software took place after six months. During the next three months, the team focused on responding to the users’ feedback.

Higson helped to deliver
a system that:

is manageable by the business users
offers an enormous range of configuration
create new mortgage products
cross-sell conditions
insurance pricing
marketing descriptions
required documents
provides API for banks
integrates with the client’s CRM
empowers users to compare different offers
speeds up form fulfilling (one form for all banks)
validates applications automatically
creates a payment schedule for a customer
allows sending required documents online in GPDR compliant way
The new system enabled to shorten the time
spent on a customer significantly.
When to use Higson as a BRMS
Higson enables developers to externalize complex business logic. This logic (for example pricing or scoring rules) can be modified by developers or business experts in the Higson Studio UI.
Each modification is immediately reflected in any application that uses Higson Runtime library, so we can say users may modify logic on the fly.

That makes Higson the best fit for the kind of rules-heavy projects found often in the finance or insurance industries.
More Success Stories
Our Benefits
Configure instead of coding
Replace programming work with configuration and take control over product development and deployment.
Development cost decrease
Higson decreases development costs because it supports separating business rules from the hard code and managing them through the user interface
Structure of your business
The only rule engine with a nice tree structure for your rules. Our structure corresponds with your business, so it’s super easy to navigate and it's presented in a user-friendly interface.
Shorter time to market
With every additional product or service referring to Higson configuration, time to market shortens, because you can reuse existing decisions on tables and business rules. Additionally Higson lets you modify business rules and parameters on the fly.
Hyper efficient and scalable
Higson Runtime is extremely fast. According to our benchmark, even 100,000 calculations can be processed in around 90 seconds.
If you want make sure if your change works properly, Higson lets you check it using the tester option.