If you are looking for modern insurance software, you will quickly end up with established names such as ANVA and CCS. In this article, we compare these two parties. You will also discover why more and more organizations are switching to a system that is really ready for the future.
All tools for composable enterprise applications
Composable means: building applications from independent components that you can quickly assemble, customise and swap out. Novulo doesn't just facilitate how you create and launch applications. Also how you develop components that other teams can reuse. Made possible by one shared reference architecture and ontology.
Assemble applications from existing components. Customise where needed. Manage the full lifecycle.
Model new components. Everything within one integrated architecture.
All tools for the complete lifecycle
of applications and components
- Select and configure components into one powerful application
- DTAP pipelines with automated deployment
- Automated testing with every release
- Process mining and monitoring for continuous improvement
- User and permission management for every part ofyour application
- Low-code development environment for creating new components
- Built-in QA Scanner and performance testing
- Version control with backwards compatibility checks
- Release notes and changelog automatically generated
- Feedback loops: see how components are used inproduction
All tools for business teams
Application lifecycle management
Build applications from existingcomponents. Configure them to your processes, go live via automated deployment pipelines. Manage every application fully, from one environment. From composition to monitoring, without code.

Store: choose from proven functionality
Select components from the Store, configure them to your specific processes and combine them. The underlying architecture ensures everything stays consistent, even when you make changes later or swap out components.
Automated deployment and DTAP pipelines
Every release runs throug hautomated testing and deployment pipelines. From developer to test to acceptance to production, with controlled handover and full traceability at every step.
Process mining and monitoring for continuous improvement
Track how your application works in production. Process mining makes bottlenecks and deviations visible. Monitoring flags issues before users encounter them. Both built in, no external tooling needed.
All tools for developer teams
Architect: develop visually with low-code
The Architect is the development environment for new components. Business logic, data models, processes and screen layouts are modelled visually using low-code. All within the same reference architecture as every other component in the library. That has a direct benefit: what you build connects without an integration to everything that already exists.

Version control & release management
Components are used by multiple teams and applications simultaneously. That makes version control not an internal nice-to-have, but a requirement. Teams decide per component whether it gets updated. Every new version is automatically checked for backwardscompatibility, so other teams can upgrade without disruption. Release notes andchangelogs are written by the system itself, based on your changes. Less manualwork, always up-to-date documentation.
Built-in quality control
The QA Scanner automatically checks every component for quality and performance. With every build, without manual action. Architecture rules, data integrity, performance values: everything is verified before the component goes live. So bad code never reaches your application.
Usage monitoring & user feedback
User feedback flows directly back to the development environment, making deviations visible. Monitoring informs component and release planning: steer based on facts, focus on what truly matters. This maximises the Product Lifecycle of a component in line with the Application Lifecycle of the teams working with it.
One architecture & ontology
All components are built on the same reference architecture and ontology. They speak the same language and connect seamlessly. Business teams combine components into stable applications, developers build new components that are immediately reusable. With this architecture, every application becomes endlessly scalable.
Components speak the same language and weave together automatically into one stable application. No translation layers, no breaking APIs.
New components are immediately reusable and shareable via the Novulo Store. What one team builds, others canreuse.
Updates and new functionality fit automatically within the platform. Changes are manageable and predictable.
One uniform foundation lets you grow without fragmentation and makes your systems AI-ready. Because of the architecture, AI immediately understands how everything works.
Results that matter
All components speak the samelanguage. That makes AI integration seamless. AI understands your data,processes and context without complex connections. From chatbots to predictiveanalytics: it works out of the box. Discover how AI enhances your applications.



Cloud-native development & deployment
Run anywhere, scale everywhere. Cloud-native architecture gives you the freedom to choose where and how you scale. Cloud, on-premise, or hybrid.
Cloud, on-premise, or hybrid: you choose the infrastructure.
Grow without rebuilding or redesigning your architecture
.NET application with source code: stable and completely independent.
Built for enterprise security and scale

ISO 27001 & GDPR ready. Role-based access, audit trails, data encryption at rest and in transit.
Full deployment flexibility. In the cloud, on-premise, or hybrid. Always access to the full source code.
Connect to existing ERP, CRM, and legacy systems. Web-based always accesible application.
Connect to existing ERP, CRM, and legacy systems. Web-based, always accessible application.
Proven at leading companies
Leading companies. Real results. In their own words.

"With Novulo we're no longer stuck with what vendors offer. The platform gives us complete control. No dependence on their roadmaps. We're in the driver's seat, driving innovation forward."


"Building our new application is like laying out rails that are already prepared. We just need to select the retail components we need. It makes the whole implementation process efficient and enjoyable."


"With Novulo, everything's on one platform and that makes a difference every day. We respond instantly to new developments and steer our own operations. We make decisions when we need to, not when a vendor allows it."


"Novulo really enables us to be agile and flexible. It provides a solid foundation. The autonomous growth we're achieving now just wasn't realistic before. The platform's possibilities still amaze me."
Get started with the platform
From component to live application. Everything integrated, fully flexible.


Choosing the right insurance software largely determines how future-oriented your organization can work. Both CCS and Novulo offer solutions for insurers, proxies and intermediaries who want to digitize their processes, but the approach differs fundamentally. Both solutions have their strengths and limitations, depending on your situation. In this article, you can read what these differences mean in concrete terms for your daily practice.

Looking for insurance software that moves with your organization? In this article, we list the four best alternatives to Anva: Novulo, CCS, Keylane and Socotra. We discuss their strengths and limitations. This way, you know exactly which platform fits best today and tomorrow.

The choice of insurance software determines how future-proof you are as an insurer or proxy. Anva has been an established name in the Dutch market for decades and offers a stable and proven package for policy administration and claims processes. Novulo is a modern, composable insurance platform that focuses on flexibility and speed. In this article, we'll put both solutions side by side, so you can determine which solution best suits your organization's strategy and digital maturity.
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CCS is jarenlang een vertrouwd verzekeringsplatform geweest voor verzekeraars en volmachten, maar sluit steeds minder goed aan op de snelheid en flexibiliteit die de markt vandaag vraagt. In dit artikel vergelijken we de vier beste CCS alternatieven van 2026 en ontdek je welk platform het meest toekomstbestendig is.


Five months. That’s how long JW Volmacht needed to grow from a blank canvas into a fully operational insurance application. The new MGA of JW Verzekeringen started with Novulo in June 2025 to build a complete front, mid, and back office on a single platform. The ambition: excellent digital self-service for customers who are always on the move. Full control over the insurance process. And a modern way of working and communicating. They went live in November.