Enterprise Insurance Broking & Policy Microservices

The Operational Problem

Legacy insurance broking platforms rely on monolithic architectures that bottleneck during peak renewal windows, suffer from carrier API timeouts, and struggle to scale distributed policy issuance pipelines across diverse underwriter schemas.

The Architectural Solution

Engineered distributed microservices using Spring Boot 3 and Java 21, establishing resilient carrier gateways, asynchronous event handling via Apache Kafka, distributed caching with Redis, and automated policy issuance pipelines adhering to strict regulatory standards.

• ✓High-Throughput Quote Engine: Aggregates real-time premiums across multiple institutional insurance underwriters.
• ✓Resilient Carrier Gateways: Circuit breaking and exponential backoff retry mechanisms to absorb partner latency.
• ✓Event-Driven Policy Processing: Asynchronous document generation and transaction recording using Apache Kafka.
• ✓Distributed Caching: Redis caching for product catalog rules, vehicle master data, and quote drafts.
• ✓Strict Regulatory Compliance: Automated audit trails and secure cryptographic storage for customer KYC.
• ✓Comprehensive Observability: Structured logging, distributed tracing, and health monitoring.

Technical Anatomy & Data Flow

Designed around Domain-Driven Design (DDD) principles with hexagonal architecture. Microservices communicate asynchronously via Apache Kafka events for high-volume transactions and synchronously via REST/gRPC for interactive quote comparisons. Resilient fault tolerance is implemented with Resilience4j circuit breakers and HikariCP connection pooling.

@Service
public class CarrierIntegrationGateway {
    private final RestClient carrierClient;
    private final CircuitBreakerRegistry circuitBreakers;

    @CircuitBreaker(name = "carrierQuote", fallbackMethod = "cachedQuoteFallback")
    @Retry(name = "carrierRetry")
    @TimeLimiter(name = "carrierTimeout")
    public CompletableFuture<QuoteResponse> fetchPremium(QuoteRequest request) {
        return CompletableFuture.supplyAsync(() -> 
            carrierClient.post()
                .uri("/api/v2/premium/calculate")
                .header("X-API-Key", apiKeyProvider.getActiveKey())
                .body(request)
                .retrieve()
                .body(QuoteResponse.class)
        );
    }
}

Core Technology Stack

Security, Governance & Hardening

Implements mutual TLS for partner carrier communications, rotating service API keys, database column encryption for PII, and comprehensive distributed tracing with OpenTelemetry.