A Blueprint for EDM Transformation: Enabling Faster Claims and Lower Risk in Insurance

Archana Subramanian

Abstract: The Electronic Death Match (EDM) process plays a critical role in the life insurance sector by verifying policyholder mortality and triggering timely claims. Legacy EDM systems often lack scalability, auditability, and efficiency?posing risks to compliance, customer trust, and economic stability. This paper outlines a cloud - native EDM modernization framework using Microsoft Azure. The approach introduces scalable architecture, serverless automation, integrated compliance, and real - time performance monitoring. The paper covers system design, implementation strategy, expected efficiencies, and potential industry - wide implications for operational reform and socioeconomic impact.

Keywords: life insurance, policyholder, automation, reform