Innovative Life and Annuity software for the digital company

It isn’t very often that a new Life and Annuities Policy Administration System enters the marketplace, so I eagerly anticipated the opportunity to review the Penn River system. We believe that those considering a new PAS platform, as well as working with an Insurtech startup as a strategic partner, will want to take a serious look at this solution

Don Desiderato
Don Desiderato Mantissa Group

Penn River has entered the life and annuity policy administration marketplace with an end-to-end platform anchored on innovative approaches to product configuration and platform technology. Insurance companies focused on integration, acquisition, or modernization will benefit from learning more about their platform.

Eric Fairchild
Eric Fairchild NEOS

Penn River Advantage

Penn River is a Cloud based Annuity and Life Policy Administration System (native cloud) designed with pre-built functionality that is flexible, extendable, transparent, verifiable, and maintainable (simple and concise). The architecture of Penn River facilitates speed to market with stable software deployments.


Configurable (NOT CHAOS)

Using our unique tiered approach to configuration we are able to deliver maximum flexibility while maintaining a coherent order and conformity to the delivered product.

Portable Products

Portable Products

Blocks of business are bought and sold by insurance carriers all the time. Once a product and supporting configuration is defined on the Penn River platform it can be transfered to another Penn River installation or replicated to a separate instance in the cloud.

Riding Technology Innovation

Riding (NOT REINVENTING) Technology Innovation

Architectural designs of almost all policy admin systems force vendors to reinvent industry standard tools such as Source Control, IDEs, and Continuous Integration. The Penn River platform takes advantage of these excellent tools rather than reinvent them.

Born In The Cloud

Born In The Cloud

Life and Annuity policy administration designed for the cloud from the ground up. Penn River platform provides one click delivery and is compatible with all major cloud providers and private clouds.

Easy Upgrades

Easy Upgrades GUARANTEED

This should be expected from any software vendor, but it almost never delivered in this industry. The Penn River Certification Process provides an automated verification process that ensures our customers can take upgrades with confidence.

Fast Delivery

Fast Delivery, No Surprises

If you want to deliver fast, you must be able to get feedback and ensure stability. The combination of Cloud Architecture and Automated Certification gives us the unique blend of stability and adaptiveness unmatched in the industry.

Certification Process

Certification Process

The Penn River Certification Process ensures product configuration is portable and upgrades will not break your existing products.

Industry Experts

Industry Experts

With decades of experience delivering Life and Annuity platforms, we have learned many lessons the hard way. The Penn River platform provides a framework and tools to apply the principles we've developed over those years.

DevOps For Life/Annuity

Penn River provides Insurance software with unparalleled DevOps tools in the industry.

Penn River Developer Environment

Penn River provides a dynamic interface to configure, experiment, and troubleshoot Insurance products. No other software package offers a configuration interface as simple and powerful as the Penn River Developer Environment.

Penn River Lab

Penn River Lab is a collaborative modeling tool for developers and users to experiment with new products and features in the Developer Environment.

Penn River Plan Builder

Penn River Plan Builder gives developers and business analysts a simple interface to manage product configuration.

Extendible Framework

Penn River provides an Extendible API that can be extended by each customer. Product Templates are provided by the framework that covers 90% of Life and Annuity process variations.

Penn River Bot

Penn River comes with a command line interface and Chat Bot that provides DevOps automation and tools to manage cloud environments.


Penn River provides Docker images out of the box. Customer implementations are also packaged as their own Docker images making deployment to the cloud effortless