Essays

Single-idea pieces on the software running regulated industries. Each essay holds one narrow question, with every factual claim carried by a public source.

• Published 2026-04-21

  Legacy, modern, AI-native in US insurance software: a three-generation classification

  Every piece of software a US carrier runs falls into one of three generations: legacy, modern, or AI-native. The classification is not marketing — it predicts how hard a migration is, how much retraining an ops team needs, and whether buying "AI-native" today means buying brittleness.

• Published 2026-04-21

  The missing modern rung: why no SaaS vendor owned FNOL intake before the AI-native wave arrived

  Most insurance technology follows a ladder: legacy, then modern SaaS, then AI-native. FNOL intake skips a step. The modern rung never formed as a standalone category, so a US carrier moving off legacy in 2026 lands directly on AI-native platforms like Hi Marley and Tractable.