Penn River Launches TotalityOne, Powered by Solvrays, to Kill the Frankenstack in Life and Annuity

One modular platform. Best of breed in every slot. No integration burden for the carrier.

LAS VEGAS, NV, UNITED STATES, November 10, 2026 /EINPresswire.com/ — FOR IMMEDIATE RELEASE

Penn River Launches TotalityOne, Powered by Solvrays, to Kill the Frankenstack in Life and Annuity

One modular platform. Best of breed in every slot. No integration burden for the carrier.

LAS VEGAS, Nov. 10, 2026. Life and annuity carriers no longer have to choose between speed, innovation and quality. Penn River today launched TotalityOne, a modular new business and administration platform powered by Solvrays, that lets carriers launch products, stand up new operations and modernize existing books without stitching vendors together.

Most carriers run on a Frankenstack: decades of point solutions bolted together one integration project at a time. The alternatives have not been much better. Become your own systems integrator, hand the book to a cost-first TPA, or bet on an all-in-one platform unproven in production. TotalityOne is the fourth option.

The stakes are rising. According to LIMRA, RILA sales hit a record $79.5 billion in 2025 and grew another 21% in the first half of 2026. Carriers that cannot launch fast are leaving that market to those who can.

How it works

Penn River provides the cloud-native policy administration core with agentic product setup and commission support. Solvrays orchestrates the work and owns the integration, with AI agents handling documents, validation, reconciliation support, and humans on the loop. Curated partners cover illustrations, underwriting, setup and BPO or TPA operations, and other critical components to support the value chain. One roadmap and one program to govern, from quote to service.

What carriers get

• CEOs: new products, channels or entire carriers, without a multi-year build.
• COOs: fewer manual handoffs from application to issue to service.
• CIOs: one orchestration layer instead of a web of point-to-point integrations.
• Product leaders: the full shelf on one configurable core, including RILA, FIA, MYGA, variable and IUL.
• Distribution: a connected quote-to-application flow built for cleaner submissions and faster decisions.
• CFOs: reduction of total cost of ownership.
• Compliance: suitability and validation rules built into the workflow, not bolted on after.

“Carriers have been told they must trade speed, innovation or quality to get to market. TotalityOne ends that trade-off. Take all of it, or just what you need.” David Shaw, CEO, Penn River

“Orchestration turns strong components into one operation. The carrier never owns the integration, and AI takes on the manual work operations teams can no longer staff.” Bobbie Shrivastav, CEO, Solvrays

Availability

TotalityOne is available now to North American individual life and annuity carriers. Every engagement starts with a discovery conversation and ends with a phased roadmap the carrier can take to its board. Learn more at www.totalityone.com.

About TotalityOne

TotalityOne is modern life and annuity technology, delivered as one. A Penn River solution powered by Solvrays. Fast. Compliant. Unapologetic.

About Penn River

Penn River is an agentic cloud-native life and annuity policy administration platform that helps carriers launch products faster and reduce total cost of ownership. www.pennriver.com.

About Solvrays

Solvrays is a leader in AI-powered workflow orchestration for insurance operations, helping carriers remove manual work and connect data, workflows and documents across the value chain. www.solvrays.com.

Media contacts

David Shaw, Penn River · david.shaw@pennriver.com · 610.314.7353
Bobbie Shrivastav, Solvrays · bobbie@solvrays.com· 336.301.4347

David shaw
Penn River
+1 610-314-7353
Visit us on social media:
LinkedIn

Media gallery