TUW is one of Poland’s leading mutual insurance companies. The insurer implemented Higson to help develop a new motor insurance pricing model that allows for efficient tariff management in response to changing market conditions.

Use cases
Business Rules Engine
Insurance products and related selling processes contain enormous amounts of business logic, including, for example, complex underwriting rules. Higson is a powerful tool that manages these business rules and optimizes processes. The tool allows non-technical subject matter experts to make changes almost on a daily basis.
Pricing Configurator
Motor insurance tariffs are generated using sophisticated pricing models. The tariff structure includes many aggregated data and actuarial functions. Tariffs can change from day to day, based on new circumstances. Higson allows for changes to be made on the fly when the actuarial model is updated or the pricing strategy is changed.
Data Dictionary Repository
Reference data (e.g. postal codes, countries), product dictionary data, list of terms and conditions, etc. are also kept in one place and reused in the sales system.
Frontend Configurator/Validator
Various frontend elements attributes are parametrized, configured, and validated in Higson. Therefore, the business user may modify them without any assistance from the IT department.
Efficiency in a Complex Architecture
Higson keeps track of thousands of parameters used in sales systems, with no perceived lags. As a result, preparing thousands of offers with various scopes is no longer a problem.
Parameters Can Be Updated Without Using New Software Versions
Modifications to parameters and changes in the pricing data don’t require the release of new software versions. Some changes even go unnoticed by the systems communicating with Higson.
Flexible and Quick Configuration
Defining the product and the logic governing it and placing it in an appropriate structure, allows users to have full control over the applied rules and easy current recognition of where to make changes in order to achieve their business goals. This distinguishes Higson from, for example, the Drools engine.
Higson makes it is possible to use more than one tariff at the same time, allowing users to freely experiment and make necessary improvements. This provides a wide range of business opportunities, for example, customer segmentation that leads to the optimization of the written premium. Testing each subsequent version of the tariff can be done without IT involvement, which significantly speeds up the work in early stages.
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.