Build your platform for complex and individual risk management and underwriting. With Low Code.

mgm X12-COSMO

We are experts in complex industrial and commercial business.
mgm A12-COSMO is the only platform for underwriting, sales and operations that digitises your entire value chain.
Based on the A12 Enterprise Low Code Platform - for even more flexibility in your individual applications.

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

Management

Achim Oppelt

Management

Joseph Sigona

Head of Business Development

A12-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

DORA, NIS2, AI & Co.: Digital resilience and effective IT strategy for insurers

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

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.
DORA Readiness Check

DORA is live – but are you already meeting all the requirements?

The Digital Operational Resilience Act (DORA) officially came into force on 17 January 2025. The regulation requires financial firms to meet comprehensive digital resilience requirements. We offer our DORA Readiness Check Tool solution to help companies identify and address outstanding requirements in a targeted manner. This helps to systematically uncover remaining gaps in implementation and display them in a clear dashboard.

Who we work for:

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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.

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