Jayant Mastakar — P&C Insurance Technology

The journey so far

From underwriting automation to enterprise transformation.

My career began inside a life insurer in Mumbai, on both sides of the house — automating underwriting in IT while managing it in the business. Then came the turn that set my course: a chance to build dashboard analytics for a P&C insurer. Seeing every function of an insurance business through its data drew me into IT for good — and it still shapes how I work. Twenty-one years on, I bring that same end-to-end view of P&C: working knowledge across the entire value chain, deep product knowledge, SAFe Agile delivery at enterprise scale, and hands-on AI automation.

2005Inside a life insurerUnderwriting automation in IT, underwriting in the business

2006The turning pointDashboard analytics for a P&C insurer — the whole business, seen through its data

2007 – 2013Into P&C platformsOffshore BA for U.S. carriers — policy, rating and data

2013 → nowEnd to end, onshoreGuidewire, integration and product ownership — now AI automation

Carriers are described by caliber and headquarters city, not by name — details on request.

Reach

Coast to coast, across two continents.

Ten U.S. carriers headquartered across seven states and three time zones — with onshore–offshore delivery that began in Mumbai.

Markers show client headquarters — tap one to see what I delivered there.

My base todayTCS office · Glendale, CA

Mumbai, India2005 – 2013 · offshore delivery

U.S. carriers

States

Time zones

Continents

Experience

San Antonio, TX · Fortune-100 InsurerDearborn, MI · Auto-Club InsurerWork base: TCS office, Glendale, CA

Owning product direction for the digital and systems-integration workstream of a Fortune-100 member-owned insurer’s auto-modernization program (working from the TCS office in Glendale, CA).
Delivered Guidewire PolicyCenter + BillingCenter and SmartComm/OpenText documents to replace a legacy home platform for a national auto-club insurer (delivered remotely from California).

Walnut Creek, CA · Auto-Club Insurer

Senior consultant on a leading auto-club insurer’s personal-auto program — led a 12-state policy-data migration and conversion, owning specifications and operational quality.

Columbus, OH · Fortune-100 InsurerWarwick, RI · National Auto InsurerWoodland Hills, CA · Fortune-500 Insurer

Guidewire PolicyCenter personal-auto implementations across three carriers — from a Fortune-100 insurer in the Midwest to a Fortune-500 insurer on the West Coast.
Designed a comparison-shopping ↔ Quote-and-Buy integration for online auto quoting; drove transformation delivery and stakeholder alignment.

Windsor, CT · Fortune-500 Insurer

Functional SME on a Fortune-500 insurer’s commercial Premium Audit platform — Workers’ Comp, BOP and General Liability — through a vendor transition.

Hartford, CT · Fortune-500 Insurer

Requirements and UX wireframes for a Fortune-500 insurer’s click-to-quote auto portal; rating maintenance for personal auto and homeowners.

Hartford, CT · Fortune-500 InsurerMumbai, India · General Insurer

Led commercial-lines ISO 2010 forms & rules revision — recognized as “Client Champion” with a Propel Award.
Ran enterprise data-warehouse analysis and cross-system integration testing across U.S. and Indian insurers.

Pennsylvania · Regional P&C InsurerSan Mateo, CA · P&C InsurerMumbai, India · Life & General Insurers

Offshore BA supporting Personal-Lines Auto on a Duck Creek policy system for a Pennsylvania regional P&C insurer.
Built the “Q-Insure” BI & analytics suite (QlikView) and automated life-insurance underwriting — the foundation it all grew from.

Final-year project in Artificial Intelligence — an underwriting system for group health insurance (2005).
B.Sc. Computer Science, University of Mumbai (2003).

Case studies

Three programs, told end to end.

The challenge, what I did, and what it delivered — for three large insurance programs. Locations are client headquarters; carrier names on request.

Retiring a legacy home platform for Guidewire

Dearborn, MI · Auto-Club InsurerGuidewire PolicyCenter & BillingCenterSmartCommLead Functional Consultant

Challenge

A multi-year personal-lines transformation had to replace a legacy home policy-administration and billing system with Guidewire, and move policy documents onto a new document platform — while staying compliant with every state’s filings.

What I did

Ran rapid design workshops with state product management, underwriting, operations and SMEs to define the future-state product model — coverages, terms and options.
Turned state filing manuals and underwriting guidelines into user stories and UI mockups, recommending out-of-the-box versus custom solutions.
Owned the high-priority document enhancements on SmartComm — every static and variable block on policies and endorsements generated with the right form numbers.
Led and mentored an onshore/offshore analyst team through sign-offs, sprint hand-offs and demos.

Outcome

PC + BC

Guidewire policy & billing

TBD

States delivered

TBD

Forms & documents modernized

Rolling out Guidewire PolicyCenter state by state under SAFe

Woodland Hills, CA · Fortune-500 InsurerGuidewire PolicyCenterSAFe · RallyProduct Owner / SME

Challenge

An enterprise policy-administration replacement for personal lines, delivered state by state on a SAFe release train — with years of legacy behavior that had to be understood, rationalized and rebuilt on Guidewire.

What I did

Acted as Product Owner / SME for Home state rollouts — features into Rally stories, backlog grooming and elaboration with the team.
Mapped gaps between Guidewire’s out-of-the-box screens and the legacy application, and designed the future-state mockups.
Extracted and documented business and system rules from the legacy platform into a rules repository.
Demoed every sprint to business stakeholders and steered change requests through the change-control board.

Outcome

SAFe

Release-train delivery

TBD

States rolled out

TBD

Features & stories delivered

Converting twelve states of personal-auto policies

Walnut Creek, CA · Auto-Club InsurerPolicy data conversionSenior Consultant

Challenge

Every personal-auto policy across twelve states had to move from one policy platform to another — and in some cases from one product to another — with operational quality and no disruption to members.

What I did

Defined conversion requirements with state product managers across business and IT.
Owned the conversion business specification and kept user stories in sync with it.
Built business test scenarios, supported exploratory testing, and drove defects to closure.
Bridged business users and developers so the design matched the specification.

Outcome

States converted

TBD

Policies migrated

TBD

Conversion accuracy

In-house builds

What I build when I'm not delivering.

Three hands-on builds and a strategy blueprint — conversational quote-and-buy, document AI that reads a dec page, an OpenAI-powered assistant, and a blueprint for AI-augmented product ownership. Pick one to explore.

Prototype · Personal build

AutoQuote AI — Conversational Quote & Buy

A chat-first personal-auto experience that takes someone from a few basics all the way to a bound policy — the AI guides the conversation, pulls household drivers and vehicles, verifies against MVR and CLUE, runs an ISO rating, takes payment, and issues the policy with an Apple Wallet ID card. The hybrid design blends plain-English conversation with structured cards exactly where each works best.

Conversational AI intake
Real-time MVR & CLUE verification
ISO rating engine
In-app bind & payment
Apple Wallet digital ID
Auto-generated policy documents

AQAutoQuote AIStep 3 of 6

StartProfileVehicleVerifyQuoteBind

Just a few details for your 2 vehicles.

2022 Honda CR-V

Do you own, finance or lease it?

OwnedPaid off

FinancedAuto loan

LeasedLease

Lien-holderOther

2019 Toyota Camry

Financed · lender on file ✓

Looks good — continue ✓

Ask me anything…

Guided captureDrivers, vehicles & ownership — captured on the fly.

AQAutoQuote AIStep 5 of 6

StartProfileVehicleVerifyQuoteBind

Do you own or rent your home? Owning earns a discount.

Homeowner

Discount applied. Your state minimum is 30/60/25 — I recommend stronger limits:

Recommended ★250/500/250

Standard100/300/100

Higher deductible$1,000

State minimumLowest — risky

Choose coverage or ask me…

Conversational coverageAsks in plain English; recommends real limits.

AQAutoQuote AI$261/mo

StartProfileVehicleVerifyQuoteBind

All reports clear — here’s your rate.

Identity match✓

Driving record (MVR)✓

Claims history (CLUE)✓

ISO rating✓

Your premium

$261/mo

Multi-carHomeownerSafe driver

Review & pay →

Ask about your quote…

Instant quoteVerified, ISO-rated premium with discounts applied live.

AQAutoQuote AIPolicy active

StartProfileVehicleVerifyQuoteBind

✓ Policy AQ-48213 is active — effective Aug 27

PDFDeclarations page

PDFPolicy contract

PDFAuto ID cards

PDFCoverage summary

You’re covered! ID cards are in your Wallet and your policy packet is in your inbox.

View my policy

Ask me anything…

Bound in-appPolicy issued, documents emailed, next steps.

AQAutoQuote AICovered

StartProfileVehicleVerifyQuoteBind

✓ Cancellation sent to your prior carrier

AUTO ID CARD · TXJordan Rivera2022 Honda CR-V · 2019 Toyota CamryEffective 08/27/2026

Add to Apple Wallet

Change coverageUpdate vehiclesMy documentsBilling planFile a claimTalk to an agent

Ask about billing, claims…

Digital IDWallet ID card; prior-carrier switch handled.

Redrawn from my working prototype in the site’s design — sample data shown.

Strategy · Consultative blueprint

PO & BA AI Automation Blueprint

A consultative strategy blueprint for bringing AI into product-ownership and business-analysis work on large Guidewire state roll-outs. I mapped the Program BA function into 29 activities and 98 tasks, rated each for AI potential, and designed a governed, human-in-the-loop operating model — with separate briefings for business and IT leadership, success metrics with formulas, and a staged path from the Program layer to the team and solution layers.

Rated 29-activity, 98-task inventory
Business & IT leadership views
Human-in-the-loop operating model
Success metrics with formulas
Guardrails & governance design
Staged roadmap: Program → Team → Solution

po-ai-blueprint · business & IT briefing

Guidewire PolicyCenter state roll-out · joint briefing

Automating the Program BA: one mission, two partnerships

29 activities and 98 tasks mapped and rated for AI potential. AI drafts the high-rated work, people approve it — so the same team carries more states with more consistency.

43 tasksAI drafts · a person approves

55 tasksstay human-led — judgment, relationships, sign-off

START HEREProgram BA layer

→

NEXTExecution layer

→

LATERSolution layer

◆ Business view⚙ IT view

Highest leverage per effortProgram-layer work serves every state at once.

Exactly what AI does bestReading and writing — no core-system changes.

Lowest uncertaintyA complete, rated inventory — no discovery phase.

Quality flows downstreamSharper briefs stop defects before build and test.

business view · metrics

What success is measured on

Draft cycle timedays → same day

Reviewer acceptancegate ≥ 70%

States per team5.0 → 7.5

First-pass quality60% → 85%

IT view · guardrails

What the MVP touches — and never touches

TOUCHESAI sandbox · made-up data · review screen · audit log

NEVER TOUCHEScore policy system · production · customer or personal data

Inputs→Assist layer→Human gate→Filed as today

How it accelerates insurers

Scale roll-outs, not headcountAI drafts the repeatable Program-layer work, so one team can carry more state roll-outs.

Artifacts in hours, not daysBriefs, acceptance criteria and readiness checks drafted in minutes and reviewed the same day.

Quality caught upstreamSharper briefs and criteria stop defects before build and test, where fixes cost the most.

Audit-ready by defaultEvery draft is logged with its sources, the reviewer’s edits and a named approver.

Low risk, fast approvalSandbox, synthetic data and no core-system writes — sized for a quick security review.

Builds on existing AI investmentExtends the insurer’s approved AI runtime and review pipeline; model-agnostic, so nothing is stranded.

Measurable from week oneThe rated inventory is the backlog, baselines are captured in week one, and a stop-or-scale gate decides on the numbers.

Augmentation, not replacement55 of 98 tasks stay human-led by design, which keeps the BA community on board.

~75%

Less drafting effort per brief

5.0 → 7.5

States per team, same headcount

≥ 70%

Reviewer-acceptance gate to scale

Illustrative targets from the blueprint’s capacity model — real baselines are measured in week one of the MVP.

Recolored sample screens from the interactive briefing — client and internal tool names removed.

From underwriting automation to enterprise transformation.

Three programs, told end to end.

Retiring a legacy home platform for Guidewire

Rolling out Guidewire PolicyCenter state by state under SAFe

Converting twelve states of personal-auto policies

The whole P&C IT landscape — and where I've worked in it.

Insurance platforms

Delivery & agile

Data & analytics

AI & automation

What I build when I'm not delivering.

AutoQuote AI — Conversational Quote & Buy

2022 Honda CR-V

2019 Toyota Camry

Prefill — Document Intelligence for Dec Pages

AI Assistant — a ChatGPT-powered app

PO & BA AI Automation Blueprint

Where I think P&C technology is heading.

Quote-and-buy is becoming a conversation.

Re-keying is the tax nobody budgets for.

AI belongs in delivery, not just the front end.

AI-augmented quality engineering for multi-state Guidewire rollouts

Certified across insurance, agile and platform.