Solutions

One brand. One operating model. Every market.

Facio separates what your business always does from what changes market to market — so a new country, product or channel extends a shared operating model instead of automatically creating another parallel operation.

Design Your Multi-Market Architecture

The buyer situation

Multi-country insurance is not hard because any single piece is hard. It is hard because everything varies at once: products, taxes, documents, languages, customer expectations, regulatory obligations, distribution habits. In one market customers buy alone on a phone; in another they expect a person to guide them.

When each of those differences is answered with a separate system or process, the business pays twice — once in the duplicated work of every launch, and again, permanently, in the seams where one system's numbers must be made to agree with another's.

Our point of view

The differences between markets are real, but they should be expressed as controlled variation over a shared architecture — not answered automatically with another operating system.

Product definitions, rating logic, underwriting rules, document generation and reporting should share one operational foundation wherever the business model permits it. What varies by market — rates, taxes, documents, languages, journey design — is configured on top of that foundation. And what varies by channel should change the customer's experience, not the insurance: an online journey and an assisted sale should execute the same product, the same rules, the same record.

Target Operating Model & Transaction Flow

Step 01

Shared Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core 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Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Core Internal Core

Step 02

Market Rules

Step 03

Dual Channel Intake

Step 04

Back-Office Servicing

Step 05

Unified Reporting

How the workflow works

One shared core connects product configuration, rating, policy administration, documents and reporting.

Market-specific requirements — taxes, wordings, languages, local rules — are configured against that core, not rebuilt beside it.

Online self-service and assisted sales channels execute the same underlying product and rules.

Back-office teams can service policies across products and markets through one operating environment.

Migration of an existing portfolio onto the platform is supported via new-business-first, phased and historical strategies.

What this looks like in practice

Abbeygate

Abbeygate operates motor, home and travel products across Cyprus and Portugal through one shared operational model.

Read the Abbeygate story →

What the operating model enables

Objective	Operating change
Enter a new market	Configure market rules on the shared core instead of building a parallel system
Add a distribution channel	Express the channel as a journey over the same product and rules
Keep compliance consistent	Apply screening and document requirements through one operational model
Service across markets	Find and manage any policy through one back-office view
Migrate existing books	Choose new-business-first, phased or historical migration per book
Report across everything	Generate outputs from one structured record rather than reconciling systems

Governance and control

Configured market, product and authority controls apply regardless of the channel through which the policy originated.

Where market rules require human review or referral, the case routes to an authorised person; where approved rules permit automated execution, it is applied consistently and recorded.

MGA Insurance Operating System·Abbeygate customer story

Frequently Asked Questions

Design Your Multi-Market Architecture

In a working session, we map your products, markets and channels against one shared operating core and identify what is genuinely market-specific and what is not.

Design Your Multi-Market Architecture →