Hello everyone. I am Guru Ti I go by Guru. Completed my masters in engineering from Clemson University, and the last 16 years I've been working in healthcare industry. Today, I'm excited to share how Kubernetes and cloud native technology are reshaping one of the most traditional, often frustrating industries out there, which is insurance. We will explore how real time underwriting and enrollment can be achieved at Kubernetes scale. Why this matters for insurers and customers, and I will share some real case studies that prove it is just not theory. It is happening Now, let's start with the challenge. Insurance has always been slow moving, paper heavy and resistant to change. Think about the traditional process. You fill out long forms, gather documents, submit them. And then you wait for the edition. The edition comes in days or sometimes week. That was acceptable 10 years ago. But in today's digital world, customer expect immediacy. If FinTech apps can approve a loan in second and in seconds, and Amazon can deliver on the same day, why should buying insurance feel like waiting forever? This gap has opened the door for insurtech startups. They're cloud native. From day one, they can deliver instant personalized message and they're eroding the market share of incumbents. So here is the reality. Unless insurers modernize with cloud native architectures, their risk irrelevance in a rapidly evolving market, let me break down the pain points in traditional insurance underwriting cycle often take five to 15 days. That is an eternity in today's digital world. Up to 30% of applications are delayed or rejected because they are missing information. Human underwriters are overloaded with repetitive tasks which prevents them from focusing on the complex and high value cases. Customers abandon application out of frustration and directly hurting conversion rate. And compliance processes are still largely manual, reactive and painfully slow, taken together these inefficiencies screen for automation, integration, and scalability. And that is exactly where Cloud Native comes in. So why Cloud native, unless unlike the old and monolithic system, insurers have relied on cloud native architectures, break applications into microservices, connected by APIs. There are three big benefits. First one is adaptability. If regulation changes or pneumatic, or there's a new mandate or a new product is needed, insurers can adapt quickly without rewriting an entire system. Second one is scalability. Infrastructure automatically expands our contracts depending on demand. That is vital during peak enrollment season when traffic surges and third built in compliance auditing are part of the system. So insurers no longer have to choose between speed and regulation. At heart of this shift is Kubernetes. It has become the defacto standard for container orchestration, and it provides exactly what insurance needs. Think about it, AI models, APIs, underwriting workflows, they can all be deployed in containers that run anywhere, whether on-prem or in the cloud. During open enrollment, if 10,000 users log in at once, Kubernetes, autoscales instantly to meet the demand. No downtime, no bottlenecks. If a component fails, Kubernetes restarts, its restarted automatically. That means mission critical systems stay available and for compliance. Kubernetes integrates into pipeline that are fully auditable. Every deployment is tracked and logged and re regulators allow that. Now let's talk about underwriting process. Historically, underwriting many days of manual checks, piles of paperwork, and long delays. But with cloud native architecture, we can compress that cycle time into less than 60 seconds. This isn't just about speed, it is about personalization. By pulling in real time data feeds, insurers can generate offers that reflect an applicant's. Actual risk profile in that moment that improves both accuracy and a customer satisfaction. Underwriting goes from being a bottleneck to being a competitive advantage. So the engine behind this is the AI driven underwriting pipeline. These pipelines pull in data from everywhere, credit score, medical scores, medical history, pharmacy data, lifestyle attributes, and even iot sources like wearable health devices. All of that flows into Kubernetes cluster, where machine learning model instantly analyze and score risk. The results are dramatic. The underwriting time is cut down by 95% or more. Accuracy improves because a model, continuously learned, and monetary monitoring systems check for bias, compliance breaches, and data drift, ensuring distance remain ethical and regulator friendly. So AI plus Kubernetes equals underwriting. That is fast, fair, and scalable, but underwriting is just half the story. Enrollment is where customer actually complete their journey. Or dropout. Kubernetes power enrollment platform eliminate friction points. Automated I ID verification, ties into government databases or other data sources. E-signatures are embedded directly into the workflow. Data validation APIs ensure everything is correct before submission. The result is up to 70% fewer errors, less manual overhead, smoother onboarding, and higher conversion rates. Customer trusts the process because it feels seamless. Now imagine the entire process as a digital journey. A customer enters their details into a portal. APIs validate the data. A risk station is returned within seconds with approved, deny, or review. Enrollment system handle id, verification and signatures automatically, and the policy is issued instantly with complaints logging, running quietly in the background. That is insurance reimagine, end-to-end, efficient, transparent, and fast and compliant. Let's bring this into live with two case studies. First, insurer A, their underwriting process used to take. Five days after migrating to Kubernetes native pipeline, they cut it down to 45 seconds. For 85% of applications, completion rates jumped 40%. Customer satisfaction rose by 35%, and millions were saved in operating operating cost. Now moving on to the second use case. As the Ensure B, their bottleneck was enrollment. Brokers complained about delays and rework by implementing Kubernetes powered workflows. Manual overhead dropped 60%. Complaints are audits became smoother. Broker relationship improved and scale sales conversion. Sales conversion rose significantly. These are real world transformation that show both return on investment and strategic impact. Okay, moving on. Integration is the glue that makes realtime insurance possible. API Gateway securely connect internal engines with external data sources. Even driven architectures like Kafka enable instant updates. For example, if a medical score changes mid application, the system adapts immediately. Hybrid cloud setup allows sensitive datas to stay on-prem while leveraging the scalability of public cloud. And zero trust. Security ensure every interaction is authenticated and authorized. Together these patents create a resilient, compliant digital ecosystem. Now, automation doesn't means. Humor are out of this picture. It means they're focused where they matter most. With exception based review, 85% of applications are handled automatically. The remaining 50%, the Edge case, the high risk profiles of Flag for Expert Human Review, this hybrid approach saves time, reduces workload, and reissues regulators. That human oversight is still there. And of course, resilience is critical. Insurance is a high stakes business. Imagine systems crashing during open enrollment. That'll be com. That'll be a complete catastrophic. Kubernetes delivers resilience through auto-scaling for traffic surges, multi-region deployments to withstand outages, observability with tools like Prometheus and Grafana. Automated failover for instant disaster recovery. These capabilities don't just keep the lights on, they build trust with customers and regulators. So what does this all translate into? These all translate into measurable. Transformative results. Underwriting reduced from weeks to under 60 seconds, not in good order. Error rates down by 70%. Data quality up by 60%. Conversion rates increased by 30 to 45%. Operational cost cut down as much as by 55%. Cloud native isn't just a technology upgrade, it is a strategic lever for revenue, growth, retention, and efficiency. Let's wrap up. The insurance industry is at a turning point. Cloud native technologies powered by Kubernetes are enabling insurers to reinvent underwriting, enrollment, and compliance. The future is now real-time systems that respond instantly secure and compliant platform that scale with confidence. Intelligent workflows that turn disruption into advantage for insurance, for architects, for engineers, the mandate is clear. Cloud native is not optional. It is the future of insurance. Thank you everyone.