Build your platform for complex and individual risk management and underwriting. With Low Code.
Adding a sublimit to D&O product in seconds. No programming, thanks to Low Code.

"By integrating low code across policy management systems, every insurer and broker can map their own processes digitally"
In this interview with Benjamin Zühr, we explore the important role of enterprise low code in underwriting, particularly for risk assessment and risk management.
Meet us at RIMS Risk World 2024!
Benjamin Zuehr
ManagementAchim Oppelt
ManagementJoseph Sigona
Head of Business DevelopmentA12-COSMO - Powered by AI
AI Suite: Hosting and Solutions
- Suite of AI solutions: AI Hosting, Chat, Assistant, Framework
- AI Consulting: Strategy, Product Visioning, Change
- Data transfer, comparision and analysis
- Automation, Efficency and Speed – even for your existing applications
- 100% secure, private, EU-GDPR compliant
- Locally hosted AI models: By you, mgm or your cloud provider

A12-COSMO Modules
Software for complex industrial insurance business
Deep Dives
Claude Can Migrate COBOL. But: Who’s Actually Doing It?
IBM stock crashed 13 percent in a single day, triggered by a single blog post: Anthropic can use Claude Code to automatically modernize COBOL legacy systems, something that previously took years and armies of consultants. The market understood what that means. But have the companies sitting on these systems understood it too?
DORA, NIS2, AI & Co.: Digital resilience and effective IT strategy for insurers
The insurance industry is in the midst of one of the most profound transformations in its history. While customers are developing higher digital expectations and new competitors are scoring points with their speed of innovation, regulatory requirements are also growing steadily – from DORA and NIS2 to stricter requirements for outsourcing and cybersecurity.
Commercial insurance needs a digital custom-build approach, not an assembly line
Digital transformation in commercial insurance is being held back by inflexible standard software. This article demonstrates how a digital workshop powered by low-code technology makes it possible to efficiently model custom insurance products: Underwriters can design their own business logic directly, while IT transitions into the operator of a digital product factory.
Product digitization in industrial insurance in 2025: What has changed over the last ten...
Digitizing insurance products remains the key prerequisite for increasing efficiency across all product-related processes. Commentary by Marc Philipp Gösswein, member of the management board...
NIS2 check: Identifying areas for action, strengthening resilience, ensuring compliance
The EU's NIS2 Directive significantly increases cyber and information security requirements. Many organisations have already checked whether they fall under the scope of the directive. But the real challenge begins afterwards: Where does my company stand in terms of implementation – and what gaps do we need to close in order to be compliant? Our NIS2 Check helps you assess your status quickly and accurately.
mgm insurance delivers X12-COSMO digital complete solution for MGAs
Why should MGAs invest in an integrated digital platform right now? With X12-COSMO —and thanks to the flexible, AI-driven A12 low-code platform—individual expertise and business ideas can be seamlessly integrated into every process, from risk assessment, underwriting, and bordero billing to claims management. This enables MGAs to fully leverage their unique strengths in a digital world.
Data strategy, compliance and IT modernisation for insurance companies: InsureNXT 2025
The insurance industry is facing major challenges – from DORA to digitalisation. Our experts Erik Schilling and Steffen Müller will be at insureNXT on 14–15 May and look forward to talking to decision-makers from the industry.
AI agents: Basics and practical use cases
Artificial intelligence (AI) is developing rapidly, influencing numerous areas of life and fundamentally changing work processes. AI agents are among the most promising innovations - autonomous software programs that independently process data, make decisions and perform actions by interacting with their environment. They take on repetitive tasks and ensure structured processing of information - without any human intervention.
Insurance: How to Avoid the Cost Trap with PowerApps
PowerApps promises quick solutions, but hidden costs and maintenance risks can make it a long-term challenge. This article identifies five best practices to maximize efficiency, ensure stability, and avoid common pitfalls. Learn how to combine low-code flexibility with professional software development for scalable, secure, and business-ready applications.
Efficient AI Optimization with the mgm AI Evaluation Framework
The quality and performance of AI assistants play a critical role in their success in real-world applications. But how can companies accurately assess whether a large language model (LLM) meets their specific business needs? mgm technology partners has developed the AI Evaluation Framework - a systematic approach to objectively evaluate and optimize AI results.
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We define our success by the number of systems put into production and their contribution to the business success of our customers.











