Sunlight Solutions unifies universal and group life on one core platform

Sunlight Solutions has expanded its unified core platform to support universal life and group life, alongside property and casualty, for insurers and MGAs operating across multiple lines. The move is aimed at reducing operational fragmentation and improving consistency in products, data, billing and claims.

Why it matters: - Insurers and MGAs can now run universal life, group life and property and casualty on a single core system. - The setup is designed to reduce platform sprawl across lines of business. - Sunlight says the unified approach improves consistency in products, processes, data, billing and claims.

What happened: - Sunlight Solutions announced the addition of universal life and group life capabilities to its unified core platform. - The expansion extends support for carriers and MGAs that operate across multiple business lines. - The announcement was made from Orlando, Florida, on June 17, 2026.

The details: - Universal life support includes a cash value account structure configured at policy issuance. - The platform handles ongoing policy administration, including insurance charges, interest crediting and lifecycle policy behavior. - Supported universal life models include traditional, guaranteed, variable and indexed products. - Insurance teams can manage insured profiles, underwriting information, coverages, beneficiaries, investment selections and financial transactions. - Supported transactions include deposits, loans, payments, reimbursements and withdrawals. - Group life support covers master policies issued to employers or organizations, with coverage extended to members through certificates or individual contracts. - Sunlight supports group life through configurable group contracts, member lifecycle management, plan setup, enrollment and ongoing updates. - The platform handles common group-life variables such as eligibility, salary, dependents, coverage levels, employee classes, divisions and organizational structures. - Group life billing and pricing features include class-based pricing, salary-based calculations, list billing and self-billing. - Claims processing runs through an integrated flow from initial notice to resolution for both life and property and casualty products. - The claims workflow is intended to align policies, members, coverages and loss causes in one system.

Between the lines: - The expansion signals a push toward fewer specialized systems and more shared infrastructure across insurance lines. - A single configurable core can lower dependency on development resources by shifting more product and workflow changes into business-facing tools. - Sunlight is positioning the platform for insurers that want to modernize without splitting operations across separate life and P&C systems.

What's next: - Sunlight will continue selling the platform as a unified core for insurers modernizing life and property and casualty operations. - The company will lean on its Business Studio, Product Design Studio and rules engine to support future product and workflow changes. - The Azure-based architecture is set up to support API integration, event-driven architecture and real-time data exchange.

The bottom line: - Sunlight Solutions is expanding its core platform beyond property and casualty to cover more of an insurer’s business in one system, with a focus on consistency, scale and operational control.