--- description: "InsuranceNow is a powerful, proven, and affordable insurance core platform that’s purpose-built for regional and super-regional P&C insurers and MGAs. Learn more." url: "https://www.guidewire.com/pt/products/core-products/insurancenow.md" language: "pt" locale: "pt" --- InsuranceNow is a powerful, proven, and affordable insurance core platform that’s purpose-built for regional and super-regional P&C insurers and MGAs. Learn more. Guidewire InsuranceNow Meet InsuranceNow, a core insurance platform purpose-built for regional and super-regional U.S. P&C insurers and MGAs. With insurance-grade AI embedded at its core, InsuranceNow delivers expert guidance, institutional knowledge, and intelligent workflow automation so every user can launch faster, decide smarter, and grow with confidence. ![InsuranceNow@2x](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/about-us/leadership/insurancenow2x.png?h=823&iar=0&w=1411) [Request a Demo](/pt/about/get-in-touch/request-a-demo) InsuranceNow is a powerful core platform, purpose-built to meet existing customer needs and adapt to new capabilities driven by the requirements of the world’s largest insurers and MGAs. ## An All-In-One Core Platform to Support the Insurance Lifecycle ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow_lifecycle_1280x320.png?iar=0) ### Product Definition Accelerate time to market with InsuranceNow GO pre-packaged implementations and low-code product configuration. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/lifecycle/icon1.svg?iar=0) ### Pricing Empower your teams with advanced analytics to optimize premiums, improve loss ratios, and deploy changes confidently. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/lifecycle/icon1.svg?iar=0) ### Distribution Deliver modern digital experiences with an out-of-the-box sales portal and API connectivity to all your distribution partners. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/lifecycle/icon2.svg?iar=0) ### Underwriting Improve underwriting efficiency with embedded insurance analytics, business intelligence, and Excel Designed Rating. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/lifecycle/icon3.svg?iar=0) ### Policy Management Provide self-service access for your customers with an out-of-the-box service portal that enables straight-through processing of your insurance workflows. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/lifecycle/icon4.svg?iar=0) ### Claims Servicing Close claims faster with streamlined claims management and delight customers with integrated two-way communications through Hi Marley. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/lifecycle/icon5.svg?iar=0) [Schedule a Demo](/pt/about/get-in-touch/request-a-demo) InsuranceNow is a cloud-based solution with everything you need to engage, innovate, and grow efficiently. ### Engage Confidently Get up and running quickly with a platform that unifies core, digital, data, and analytics—and guidance from an experienced team of insurance and cloud experts. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-graphic-v2--650w.jpg?h=603&iar=0&w=650) ### Innovate Intentionally Keep pace with the industry with no-compromise configuration, out-of-the-box portals and document management, modern APIs, regularly scheduled upgrades, and more. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-graphic-v2--650w.jpg?h=603&iar=0&w=650) ### Grow Efficiently Thrive today, prepare for the future, and be positioned to serve the next generation of policyholders and producers. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-graphic-v2--650w.jpg?h=603&iar=0&w=650) ### Insurance-Grade AI Where You Need It, When You Need It Mid-market carriers and MGAs shouldn’t need enterprise-sized teams to deliver enterprise-grade outcomes. ProNavigator embeds insurance-grade AI directly inside InsuranceNow, giving every user expert guidance, institutional knowledge, and intelligent workflow automation, without extra headcount, integration costs, or technical complexity. - Give every team member real-time, AI-powered guidance grounded in Guidewire’s P&C expertise, not generic AI that doesn’t understand your workflows, your data, or your market - Surface the right documentation and operational context at the moment of decision, turning your existing knowledge base into a proactive, always-on asset - Automate administrative tasks and workflows inside InsuranceNow, freeing lean teams to focus on decisions that drive growth and customer outcomes - Deploy with confidence on SOC 2–compliant architecture that protects PII, keeps your data yours, and meets the compliance demands of regulated insurance environments [Learn More About ProNavigator](/pt/products/technology/insurance-ai-from-guidewire/pronavigator) ## What is InsuranceNow? Learn about the many improvements that Velocity Risk Underwriters, a Nashville-based MGA, experienced with InsuranceNow that ultimately led to doubling their profitability. ### Video Waterfall Slide 1 YouTube -hH2CWf5sOI ## A Platform With Proven Results Benefit from the unmatched R&D of the world’s largest P&C-focused core software company. ### One Partner, Two Platforms InsuranceNow customers benefit not only from direct investments in InsuranceNow but also from investments in Guidewire Cloud Platform and InsuranceSuite, the most complete P&C insurance software platform in the world. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-one-partner-two-platforms--1080w.jpg?h=610&iar=0&w=1080) ### Guidewire Cloud Services Gain peace of mind knowing your core operations are hosted in world-class AWS facilities that offer unparalleled availability and security, while also being fully deployed, maintained, monitored, and regularly upgraded by Guidewire. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-cloud-services--1080w.jpg?h=610&iar=0&w=1080) ### Guidewire Delivery Services With more than 500 completed projects under their belts, the Guidewire Delivery Services team brings unparalleled implementation and cloud expertise to our customers. You can rely on an experienced team that is focused on understanding your needs and meeting you where you are. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-delivery-services--1080w.jpg?h=610&iar=0&w=1080) ### Expertise in Every Workflow ProNavigator enables every InsuranceNow user to perform like your most experienced teammate by processing submissions faster, resolving claims with greater accuracy, handling more volume, and stripping out the administrative drag that slows lean teams down. All of it is powered by insurance-grade AI grounded in Guidewire’s P&C data model, built for regulated environments, and ready on day one with no integration projects required. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/insurancenow-screen-insurance-grade-ai-v3--750.png?h=501&iar=0&w=750) ## Built for Your Needs with Capabilities Influenced by the Needs of the World ### Application Marketplace [Saber mais](https://marketplace.guidewire.com/?_gl=1*8ax4er*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MyRqNTAkbDAkaDA.) Expanda a funcionalidade do seu sistema e acelere a inovação através do Guidewire Marketplace. Esta loja de aplicações selecionada oferece uma vasta gama de soluções Insurtech pré-construídas e validadas e aplicações complementares, permitindo que as seguradoras implementem rapidamente novas capacidades e melhorem as suas ofertas sem os custos de desenvolvimento personalizado. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-1-2.svg?iar=0) ### Documentação [Saber mais](https://docs.guidewire.com/) Aceda a um repositório completo e atualizado de documentação de produtos, guias de implementação e especificações técnicas. Este recurso oficial serve como uma referência inestimável para otimizar a configuração do seu sistema, garantir a conformidade e maximizar a utilidade da plataforma ao longo do seu ciclo de vida. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-2-2.svg?iar=0) ### Parceiros de consultoria e tecnologia [Saber mais](/pt/partners/for-guidewire-partners-partnerconnect/consulting-partners) Aceda ao ecossistema mais extenso da indústria de parceiros de tecnologia e consultoria certificados. Estes consultores de confiança aceleram a implementação, facilitam o dimensionamento inteligente e garantem a entrega confiante das suas iniciativas de modernização de sistemas centrais desde o primeiro dia, alavancando metodologias comprovadas. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-3-3.svg?iar=0) ### Recursos para programadores [Saber mais](/pt/developers/developer-resources) Capacite as suas equipas de TI e integradores com ferramentas de programador robustas, SDKs abrangentes e documentação de API. Estes recursos facilitam a personalização profunda e a integração perfeita com a sua arquitetura empresarial existente, garantindo que a Guidewire se adapta precisamente aos seus requisitos de negócio exclusivos. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-4-2.svg?iar=0) ### Comunidade de clientes e grupos de colaboração [Saber mais](https://community.guidewire.com/s/group/CollaborationGroup?_gl=1*1myrjuh*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MCRqNTMkbDAkaDA.) Junte-se a uma comunidade global vibrante de clientes da Guidewire para partilhar as melhores práticas, trocar informações e colaborar em soluções com colegas que enfrentam desafios semelhantes. Esta inteligência coletiva acelera a inovação e promove um caminho partilhado para o sucesso. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-5-3.svg?iar=0) ### Eventos da Guidewire [Saber mais](/pt/about/events) Conecte-se com especialistas, clientes e líderes do setor da Guidewire em encontros globais, como as Guidewire Connections, os Fóruns de Seguros e os Fóruns de Programadores. Os nossos eventos ligam uma indústria mundial a perspetivas locais e oferecem acesso direto a tendências emergentes, soluções práticas e colaboração entre pares. Concebidos como espaços de confiança para trocar ideias e reforçar conhecimentos, criam conhecimentos e perceções que ajudam os nossos clientes a navegar na mudança e a moldar as suas estratégias com confiança. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-6-2.svg?iar=0) ### Confiança e segurança [Saber mais](/pt/resources/help-and-support/trust-and-security) Opere com confiança numa plataforma construída com base em protocolos de segurança rigorosos e nas melhores práticas do setor. A Guidewire dá prioridade à privacidade dos dados, à conformidade regulamentar e à resiliência do sistema, fornecendo a confiança fundamental necessária para gerir informações sensíveis dos segurados e operações comerciais críticas. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-7-2.svg?iar=0) ### Suporte, educação e formação [Saber mais](https://education.guidewire.com/) Maximize o seu investimento com o suporte dedicado da Guidewire, garantindo a estabilidade operacional contínua e a resolução rápida de problemas. Programas de educação abrangentes e currículos de formação especializados capacitam as suas equipas, desde utilizadores de negócios a especialistas técnicos, a dominar as capacidades da Guidewire e a impulsionar resultados de negócios ideais. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-9.svg?iar=0) ## A Guidewire é uma experiência conectada Tudo o que precisa para prosperar num cenário de seguros em constante mudança. Desde aplicações selecionadas a parceiros de confiança, formação e colaboração com o setor, a Guidewire liga tudo num só lugar. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/1920x900--spotlight-pc-cc-in.jpg?h=900&iar=0&w=1920) [Saber mais](/pt/products/technology/guidewire-cloud) A Guidewire Cloud transforma seu sistema core por meio de um modelo de entrega na nuvem dimensionável, seguro e fácil de atualizar. Com uma infraestrutura criada para fins específicos e serviços na nuvem ágeis, seus aplicativos core têm potência aprimorada e estendida para que você possa acelerar, adaptar e inovar cada vez mais. ## Guidewire Cloud no core ### American Integrity ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-american-integrity--350w.jpg?h=350&iar=0&w=350) ### Andover ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-andover-companies--350w.jpg?h=350&iar=0&w=350) ### Armed Forces ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-armed-forces-insurance-exchange--350w.jpg?h=350&iar=0&w=350) ### Barnstable ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-barnstable--350w.jpg?h=350&iar=0&w=350) ### Co-operative ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-cooperative-insurance--350w.jpg?h=350&iar=0&w=350) ### Cornerstone ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-cornerstone-national-insurance-company--350w.jpg?h=350&iar=0&w=350) ### Dryden Mutual ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-dryden-mutual-insurance-company--350w.jpg?h=350&iar=0&w=350) ### Farmers Union ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-farmers-union-mutual--350w.jpg?h=350&iar=0&w=350) ### Madison Mutual ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-madison-mutual--350w.jpg?h=350&iar=0&w=350) ### Mississippi Windstorm ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-mississippi-windstorm-underwiriting--350w.jpg?h=350&iar=0&w=350) ### Mutual Assurance ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-mutual-assurance-society--350w.jpg?h=350&iar=0&w=350) ### NCJUA NCIUA ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-north-carolina-joint-underwriting--350w.jpg?h=350&iar=0&w=350) ### Nationwide ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-nationwide--350w.png?h=350&iar=0&w=350) ### Northern Neck ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-northern-neck--350w.jpg?h=350&iar=0&w=350) ### Oklahoma Farm ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-oklahoma-farm-bureau--350w.jpg?h=350&iar=0&w=350) ### Philadelphia ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-philadelphia-contributionship--350w.jpg?h=350&iar=0&w=350) ### Rockford Mutual ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/r-s/customer-logo-rockford-mutual-insurance-company--350w.jpg?h=350&iar=0&w=350) ### Rockingham ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/r-s/customer-logo-rockingham-insurance--350w.jpg?h=350&iar=0&w=350) ### Southern Pioneer ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/r-s/customer-logo-southern-pioneer--350w.jpg?h=350&iar=0&w=350) ### Topa ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-topa-insurance--350w.jpg?h=350&iar=0&w=350) ### Tuscarora Wayne ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-tuscarora-wayne--350w.jpg?h=350&iar=0&w=350) ### Union Mutual ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-union-mutual--350w.jpg?h=350&iar=0&w=350) ### Vermont Mutual ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-vermont-mutual--350w.jpg?h=350&iar=0&w=350) ### WRC ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-the-wrc-group--350w.jpg?h=350&iar=0&w=350) ## Proven Experience. Earned Trust. ### CURE Auto Insurance CIO [Read the Story](/pt/customers/success-stories/citizens-united-reciprocal-exchange-cure) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/customer-quote-carousel--cure-auto-insurance-doug-benalan--16x9--1080w.png?h=607&iar=0&w=1080) We were able to implement on time and on budget. InsuranceNow is an open API-based and flexible system that offers a significant advancement from what we were using in the past. ### NCJUA / NCIUA Chief Executive Officer & General Manager [Read the Story](/pt/customers/success-stories/north-carolina-joint-underwriting-association) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/customer-quote-carousel--ncjua-nciua-gina-hardy--16x9--1080w.png?h=607&iar=0&w=1080) By going with a system without customizations, we’re able to deliver a state-of-the-art system with the best, newest technology that Guidewire has to offer. ### Armed Forces Insurance CEO ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/customer-quote-carousel--armed-forces-insurance-arlen-briggs--16x9--1080w.png?h=607&iar=0&w=1080) We serve the military community—active duty and retired folks who may need to be able to be serviced 24/7. We have to have the technology to be able to support our customers however they want to do business with us. InsuranceNow has been a game changer. ## SEE WHAT OUR CUSTOMERS SAY: ### 57 Bright Sky 700 insurance carriers and MGAs in the United States trust InsuranceNow for their mission-critical core insurance operations. ### $10 Bil+ Bright Sky 900 in total Direct Written Premium (DWP) is running across all customers on the InsuranceNow platform. ### 145,000+ Bright Teal users access the InsuranceNow platform and portals each month. ## Learn More About InsuranceNow Request a call, schedule a demo, or ask a question. ### How does Insurance AI work within InsuranceNow? ProNavigator is embedded directly inside InsuranceNow, which means your teams access AI-driven guidance without leaving their primary workspace. It draws on your company’s knowledge, Guidewire’s deep P&C expertise, and the InsuranceNow data model to deliver actions, answers, and suggestions that are grounded in your secure, governed core environment. Unlike generic, industry-agnostic AI models that have no understanding of how your products, workflows, or markets are structured, ProNavigator is purpose-built for P&C insurance. For regional carriers and MGAs operating with lean teams, this means every user has access to the same depth of institutional knowledge and expert-level guidance, regardless of tenure or specialization. ### Is our data safe when we use Insurance AI in InsuranceNow? ProNavigator operates within a SOC 2–compliant security architecture purpose-built for insurance. Your data never trains public AI models, PII is protected end-to-end, and all AI-generated outputs are archived for audit and compliance. Because the intelligence runs inside your existing InsuranceNow environment, you avoid the security gaps and data exposure risks of disconnected third-party copilots, providing a critical safeguard for regional carriers and MGAs that carry significant regulatory responsibility without enterprise-scale compliance infrastructure. ### How quickly can we expect value from Insurance AI in InsuranceNow? Because ProNavigator is embedded in InsuranceNow and not deployed as a separate system, there is no integration project, internal development effort, or lengthy onboarding. Your teams get production-ready AI on day one, delivered through the platform they already use and trust. For mid-market carriers and MGAs that need to move fast and operate lean, this means tangible ROI without the cost or complexity that usually makes enterprise AI out of reach. As Guidewire ships new releases, your AI capabilities automatically advance as part of your existing InsuranceNow upgrade cycle. ## Frequently Asked Questions Data Sheet ## More Resources ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/ds-insurancenow-for-mgas--560w.jpg?h=320&iar=0&w=560) [InsuranceNow for MGAs](https://explore.guidewire.com/c/ds_insurancenow_for_mgas?x=gtO-tH) [See All Related Resources](https://explore.guidewire.com/c/preparing-core-systems-replacement--webinar?x=gtO-tH)