Sunlight Solutions adds universal life and group life to unified core platform

Sunlight Solutions has expanded its unified core platform to support universal life and group life, alongside property and casualty, for insurers and MGAs operating across multiple lines. The move is meant to reduce operational fragmentation and give carriers one system for policy administration, billing and claims.

Why it matters: - Insurers can now manage universal life, group life and property and casualty in one core system. - The unified setup is designed to reduce platform sprawl and improve consistency across products, processes, data, billing and claims. - The expansion targets carriers and MGAs that run multiple lines of business and want to modernize operations without stitching together separate systems.

What happened: - Sunlight Solutions added universal life and group life capabilities to its unified core platform. - The company announced the expansion from Orlando, Florida, on June 17, 2026. - Florence Lamour, Chief Product and Sales Enablement Officer at Sunlight Solutions, said the addition is meant to help insurers and MGAs operate multiple lines with greater consistency, control and efficiency.

The details: - Universal life administration requires ongoing updates as policy values, account activity and coverage needs change over time. - Sunlight supports that complexity with a cash value account structure configured at issue, plus flexible logic for insurance charges, interest crediting and policy behavior across the policy life cycle. - The platform supports traditional, guaranteed, variable and indexed universal life models. - Carrier teams can manage insured profiles, underwriting information, coverages, beneficiaries, investment options and financial transactions. - Supported financial transactions include deposits, loans, payments, reimbursements and surrenders. - Group life adds another layer of complexity because master policies are issued to employers or organizations and coverage extends to members through individual certificates or contracts. - Sunlight supports group life administration through configurable group contracts, participant life cycle management, plan setup, enrollment processes and ongoing updates. - The platform handles group life variables such as eligibility, salary, dependents, coverage levels, employee classes, divisions and organizational structures. - Sunlight also supports group life pricing and billing requirements, including class-based rates, salary calculations, list billing and self-billing. - Claims flow through an integrated process from first notice of loss to settlement for both life and property and casualty products. - The claims process is designed to align policies, participants, coverages and loss causes within one system. - Sunlight combines core administration with configuration tools through Business Studio, Product Design Studio and a rules engine. - Those tools let insurers and MGAs manage products, workflows, pricing logic, underwriting behavior and operating rules with less reliance on development resources. - The platform runs on Microsoft Azure. - Sunlight says the platform supports APIs, event-driven architecture and real-time data exchange. - Sunlight says the Azure-based architecture is intended to provide scalability and security for modern insurers. - More information is available in the company's announcement.

Between the lines: - The expansion points to a broader push in insurance software toward single-platform operations across multiple product lines. - Bringing life and property and casualty onto the same core may simplify administration for carriers, but it also raises the bar for platform flexibility and data consistency. - The emphasis on configuration tools suggests Sunlight is aiming at insurers that want faster product changes without heavy custom coding.

What's next: - Sunlight is positioning the unified platform as an option for insurers modernizing both life and property and casualty operations. - The company appears to be focused on carriers and MGAs that need one system for product administration, billing, claims and integrations across lines. - The rollout could make multi-line core replacement projects more attractive for insurers seeking fewer vendors and tighter operational control.