ITC DIA Europe

REALYTIX ZERO: Next-generation automated underwriting to scale your business

Written by Roger Peverelli and Reggy de Feniks - Founders The DIA Community on Mar 20, 2023

Many organisations are searching for ways to digitise and scale their business. Developed and owned by Munich Re, REALYTIX ZERO has created a worldwide scalable tech ecosystem for primary insurers, brokers and MGAs. Its technology enables to lift the digitalisation of the underwriting process to a completely new level. It’s purely cloud-based and built on no-code principles, equipped with outstanding API integration capabilities. Thus, insurance products can be implemented, launched and distributed in a couple of weeks instead of years – at significantly lower costs, highly increased efficiency and an improved client journey. Recently REALYTIX ZERO integrated AI driven Product Design capabilities to speed up the implementation process even more.

REALYTIX ZERO’s unique self-configuration capabilities allow quick implementation and adaptation of insurance products, resulting in greatly reduced time-to-market. It is a strong API-driven ecosystem that reduces questions asked, integrates machine learning algorithms and integrates seamlessly into other systems at any point in the underwriting process – with a plug-and-play approach.

On top of that, it is fully digital, purely no code/low code and there is no need for in-house development. REALYTIX ZERO allows clients to self-configure any kind of email notifications and document generation (including policy generation) along the Rate-Quote-Bind process. It also allows clients to access Munich Re’s outstanding analytics power and decades of pricing and underwriting experience as well as risk capacity if needed. It is built by underwriters for underwriters!

How it works

Imagine an insurance company or an MGA wanting to digitise a new or existing product. With REALYTIX ZERO a pricing expert self-configures the product according to the specifications set. The Rules/Pricing/Document engine is running according to the specifications of the product owner. External data sources can also be integrated via the API ecosystem. With this, quotes can be provided and bound by a broker or agent via a web user interface (UI) or an API connection and Reporting and Analytics are available to manage the portfolio.

Why did we choose REALYTIX ZERO for ITC DIA Europe?

REALYTIX ZERO is a real no-code application with very high API integration capabilities: this makes the underwriting platform a very strong tech offering in the insurance business, enabling insurers to digitise more easily and speed up time-to-market.

At ITC DIA Europe, Florian Niklas, CEO & Co-Founder, and Tanja Amling, Chief Product Officer, will talk about the progress they have made on their platform developments in the past 12 months. They will show how you can easily configure different dynamic and static documents and how you can set up any kind of email notifications along the quote and bind process.


REALYTIX ZERO is fully owned by Munich Re. It started as a corporate start-up in 2016 and has since then grown rapidly. REALYTIX ZERO is now one of the most successful innovation initiatives within Munich Re.

REALYTIX ZERO is headquartered in Munich. As of the 1st of April 2023, an office will be opened in New York. Its core business areas are Europe, the US, Asia, the Middle East and Africa.

As of today, more than 45 clients around the world are passionately working with REALYTIX ZERO to digitise their insurance products and make use of their API-driven value proposition. Their clients have given them an outstanding Net Promoter Score of 82.

Florian Niklas, CEO and Co-Founder REALYTIX ZERO

“We started our exciting journey with the mission to make the product development and underwriting journey as intuitive and as fast as possible – now we are taking it to the next level, orchestrating an ecosystem that shapes the underwriting process of tomorrow.”

Florian Niklas
Amsterdam 12-13 June


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