February 26, 2026

DXC’s Protect, Extend, Transform framework empowers digital transformation 

Insurance companies are under immense pressure to modernize their systems, balancing the need for innovation with the stability of their core systems.  At DXC Technology Insurance Software & BPS, we don’t believe in a one-size-fits-all solution. Instead, we meet our customers where they are on their digital journeys, leveraging insights from our global customer community as we create solutions to guide them toward their business goals.

With four annual executive forums and community events spanning the globe, DXC fosters an environment where insurers can share challenges, successes and strategies. Guided by a “Listen, Learn, Act” approach, we listen to our customers' unique needs, learn from their experiences and act to deliver solutions that meet them where they are — both geographically and digitally.

Our “Meet You Where You Are” philosophy offers a counter-narrative to disruptive transformation, focusing instead on a flexible, product roadmap for digital evolution: our Protect, Extend, Transform (PET) framework.

This approach enables successful digital transformation by helping our customers protect their investments, extend their capabilities and transform at a pace that suits their unique business needs. This enables our customers to embrace the future regardless of their starting points.

At every stage of the PET framework, AI plays a pivotal role. From stabilizing heritage systems with predictive analytics to enabling insights, AI is driving digital transformation

Building on a foundation for trust

At its core, DXC Technology’s “Meet You Where You Are” philosophy means we honor the investments our customers have made in DXC Technology. We must understand their businesses and what they need to be successful, and then we help guide their journeys.

Instead of dictating to customers terms and timelines, this creates space for a true partnership and builds trust. It shifts the conversation from “what you need to replace” to “how can we build upon your current investments?”

Director of Income Insurance Akkie Lansberg at insurer a.s.r. , which has been in existence since 1719, says the company thrives on long-term relationships built on trust. DXC and a.s.r., the second largest insurer in the Netherlands, have been partners for 20 years.

Protect: Securing heritage systems

Fundamental to DXC’s PET product strategy are the systems that many of DXC’s customers have relied on for decades. We refer to these as our heritage systems. They contain the data used to run their business, the rules they use to govern operations and the processes that power what a company does day in and day out.

This phase of the PET framework focuses on protection; that doesn’t mean preservation of the status quo, but intelligent stabilization that reduces risk and creates a solid foundation for future growth. Protecting heritage systems means addressing technical debt, improving system reliability and ensuring core business operations can continue running smoothly while innovation happens around them.

A leading financial services company and trusted DXC customer for more than two decades demonstrates this principle. The company had made significant investments in their CyberLife system, a platform central to their operations.

"There was no reason for us to migrate off of that," said the company's executive vp and  chief innovation and technology officer.

DXC acknowledged this investment and worked to protect and optimize the company’s existing CyberLife infrastructure. 

As the company's digital strategy evolved, cloud enablement and AI became essential. By consolidating to a single policy administration platform, DXC helped liberate data for AI-driven insights, amplifying personalization strategies and enhancing both advisory and customer experiences. This approach delivered agility and a strong foundation for future transformation.

DXC was able to make these improvements to the life insurer’s heritage systems, creating breathing room for more ambitious initiatives and priorities.

And for the P&C insurer who came to DXC five years ago, years of an attempted digital transformation with a previous vendor left its core system neglected, and stability had become an issue.

“When we came to DXC, the first thing we asked is ‘can you stabilize our existing system?’” said the P&C insurer’s vp of claims. “DXC partnered with us, stabilized the existing system and then that set the stage to move to the cloud. We’re getting that stability that we need.”

By protecting these heritage systems, DXC is ensuring day-to-day operations remain uninterrupted while preparing for cloud transformations.

Extend: Adding new capabilities

Once core systems are protected and stabilized, the Extend phase introduces new capabilities that enhance existing infrastructure rather than replacing it. Innovation layers on top of a protected foundation enable new possibilities without abandoning proven systems.

This often involves cloud migration, API development, data analytics implementation and the introduction of new platforms that can integrate with existing systems.

Sagar Kinhekar, chief operating officer at Allianz PNB Life, a leading life insurer in the Phillipines, said the company improved its speed-to-market by implementing a new DXC system, Assure Integral. He said the Assure platform “allows you to take your current heritage system and enable it with modern technology.”

The Assure platform allowed for a business transformation opportunity, taking Allianz PNB Life from 50 products down to 11, and changing how it issued policies, settled claims and more. Powered by AI-driven automation and analytics, policy issuance time was cut to five minutes, and product launch time was reduced from over two months down to two weeks.

Allianz PNB Life won an award for Technology Innovation Initiative of the Year at the Asian Insurance Awards for the project.

Assure Integral is now one of four Extend solutions Allianz PNB Life uses. Its experience reflects a broader pattern across the industry, where organizations using DXC’s Extend solutions modernize without disruption.

A global insurance broker and risk advisor is using Assure Claims and it's changing the way it delivers claims to customers. By extending its claims process with Assure Claims, the organization was able to introduce a data collection form accessible from a URL link. Powered by AI-tools like intelligent document processing and sentiment analysis, the platform enables clients to enter information directly on their smart phones, streamlining the data collection process and significantly enhancing the user experience.

“Assure Claims has been an absolute game changer,” said the organization's managing principal.

Transform: Become a digital-first business

For businesses ready for a full digital transformation, the Transform stage leverages SaaS-based solutions and advanced AI, unlocking efficiency, flexibility and competitive advantage. Customers can use AI for fraud detection, automated claims processing and enhanced underwriting.

The P&C insurer, having stabilized its existing systems during the Protect stage, was ready for its claims transformation journey.

The P&C insurer moved from outdated systems to a modern, efficient claims operation with Assure Claims, which the DXC team delivered on-time and on-budget, said the P&C insurer’s vp of claims.

MSIG Asia, another P&C insurer, has been undergoing a core transformation in Indonesia and Singapore during 2025.“This transformation is really about upgrading to a new building, one with a stronger foundation; one that allows us to accelerate product development and maintain some long-term competitiveness,” said MSIG Asia Chief Information Officer Joseph Yew.

Yew said the transformation is paving the way for advanced technologies like AI. MSIG now leverages AI across various operations, from conducting vehicle damage assessments to streamlining its underwriting processes. 

Driving digital transformation in insurance with Assure Smart Apps and agentic AI

As we look ahead, the insurance industry stands on the brink of another transformation: agentic AI. At the forefront of this shift, DXC Technology’s Smart Apps are empowering insurers to simplify complex processes, improve decision making and drive business growth.

Assure Smart Apps are designed to integrate with heritage systems, leveraging the data, business rules and operational knowledge embedded. As AI capabilities advance, these heritage systems become even more valuable as they provide the foundation for agentic AI to build upon.

This is where the Protect and Extend phases of our PET framework play a critical role: securing and modernizing core systems in the Protect phase, then enhancing them with AI-driven automation and analytics in the Extend phase, positioning customers to fully realize the benefits of agentic AI.

In the Transform phase, AI tools, like those within Assure Smart Apps, liberate teams from mundane, repetitive tasks, allowing them to redirect their focus to more complex, strategic and ultimately, more meaningful work. For example, with the Assure Answers chatbot, users simply ask questions and receive instant AI-powered guidance, streamlining onboarding and troubleshooting instead of searching through manuals. By embedding AI into heritage systems, Assure Answers turns static documentation into actionable insights, making teams faster and better equipped to serve customers.

And because Assure Smart Apps can be implemented in as little as 12 weeks, insurers can move quickly from planning to results, breaking transformation into manageable steps and tackling priority initiatives without waiting for a full system overhaul.

A partnership for the future

At DXC Technology, we understand that digital transformation is not a one-size-fits-all journey. It’s about meeting our customers where they are, respecting the investments they’ve made and guiding them toward a future of innovation and growth. Through our PET framework, we provide a flexible roadmap that empowers businesses to modernize at their own pace while unlocking the full potential of advanced technologies like AI.

With solutions like Assure Smart Apps, we’re not just helping insurers adapt to change, but enabling them to lead it. By combining the stability of heritage systems with the transformative power of AI, we’re building a foundation for long-term success. Together, we can navigate the complexities of today’s challenges and seize the opportunities of the future.