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Atidot vs FIS Prophet — Actuarial for US insurance, 2026.

Atidot (3 named carriers) and FIS Prophet (7 named carriers) both sit at the actuarial layer. Zero customer overlap in the public roster — they are addressing different segments of the same stack layer.

Last verified 2026-04-22 · methodology

TL;DR

  • Atidot has 3 publicly-named carrier deployments; FIS Prophet has 7. Both at the actuarial layer.
  • Zero customer overlap in the public roster. Atidot and FIS Prophet are addressing different carriers within the same stack layer.
  • Generation contrast: Atidot is ai-native; FIS Prophet is modern.
  • Ownership contrast: Atidot is independently held; FIS Prophet is public (NYSE:FIS).
  • Analyst coverage: 0 firms cover both, 4 only Atidot, 2 only FIS Prophet.

Customer overlap

BucketCount
Named on Atidot only3
Named on FIS Prophet only7
Named on both0
of which US-named on at least one side0

Only on Atidot

  • Guardian Life (US)
  • Pacific Life (US)
  • SCOR / ReMark (FR)

Only on FIS Prophet

  • MetLife (US)
  • Singlife with Aviva (SG)
  • AIA Group (HK)
  • New York Life (US)
  • Vienna Insurance Group (AT)
  • Cigna Healthcare (US)
  • State Farm (US)

Counts derived from 10sourced carrier-deployment entries across both vendor cards. Aggregate-only statements (e.g. “16 of the top 20”) excluded.

Stack position

Atidot
Generation
ai-native
Stack layer
Actuarial
Founded
2016
Lines
life
FIS Prophet
Generation
modern
Stack layer
Actuarial
Founded
1987
Lines
life

Ownership and corporate context

Atidot
Type
independent

Source: PitchBook

FIS Prophet
Type
public
Parent
Fidelity National Information Services, Inc.
Acquired
2015
Deal value
$9,100M
Ticker
NYSE:FIS

Source: Business Wire / FIS

Carrier-segment specialization

Atidot — geographic split

  • US
    2
  • FR
    1

FIS Prophet — geographic split

  • US
    4
  • SG
    1
  • HK
    1
  • AT
    1

Analyst coverage differential

Only Atidot cited by
  • Gartner (2019: Cool Vendors in Insurance — Atidot named Cool Vendor)
  • Celent (2026: Atidot listed in Celent vendor directory for life insurance analytics)
  • Insurance Innovation Reporter (2020: Pacific Life to Optimize Market Penetration with iPipeline/Atidot Analytics)
  • Business Wire / NTT DATA (2022: NTT DATA Selects Atidot to Provide Advanced AI/ML and Predictive Analytics Solutions to Life and Annuity Insurance Carriers)
Only FIS Prophet cited by
  • InsuranceERM (2021: Actuarial modelling solution of the year: FIS — UK & Europe Awards 2021)
  • Risk.net (2022: IFRS 17 solution provider of the year: FIS)

Recent news (last 12 months)

No news items in the last 12 months for either tool.

Sourced limitations

Atidot
  • Atidot is a behavioural-analytics layer, not an actuarial modelling suite. It does not replace reserving, cash-flow testing or capital-model platforms (Milliman Arius, WTW Radar, Moody's AXIS, Prophet). Carriers keep those in place and add Atidot for in-force scoring and policyholder-behaviour prediction.
    Source: Atidot
  • Much of Atidot's US distribution reaches carriers through partner channels — iPipeline InsureSight (2019 partnership), SCOR/ReMark (2022) and NTT DATA's Global Insurance Digital Platform (2022) — rather than direct enterprise sales. Some named 'customers' are therefore consumers of a partner product powered by Atidot, not independent licensees.
    Source: Business Wire
  • Disclosed funding is modest for the segment. Public filings show a $5M Series A in March 2018 (Vertex Ventures, with D.E. Shaw, Moneta Seeds and Bank Hapoalim); PitchBook aggregates total funding at approximately $18M across subsequent rounds. No Series B has been publicly announced as of April 2026.
    Source: FinSMEs
  • Coverage is life and annuity only. Atidot does not serve P&C, commercial or health lines — the data model and feature library are built around policyholder lifecycle events specific to life and retirement products.
    Source: Atidot
FIS Prophet
  • Prophet remains a proprietary, license-locked actuarial DSL. Models are written in Prophet's actuarial language and run on FIS's own grid/cloud execution layer; there is no open-source or Python/R native equivalent. FIS's 2024 trade-secrets lawsuit against Montoux — a New Zealand AI startup whose 'Model Replication Module' helped carriers migrate off Prophet — forced Montoux into liquidation in December 2024, illustrating how aggressively FIS defends the installed base against model-extraction and AI-assisted migration tooling.
    Source: Coverager
  • Named-carrier visibility is thin relative to the installed base. FIS claims 10,000+ users at ~850 sites in 65+ countries, but the vast majority of Prophet customers are never publicly disclosed — FIS's corporate award statements tend to name only a small rotating set (AIA, New York Life, Vienna Insurance Group, Generali affiliates, Singlife with Aviva). As with most actuarial modelling software, buyers rely on peer reference calls and SOA/IFoA community knowledge rather than vendor case studies.
    Source: FIS / Prophet Web
  • No Gartner Magic Quadrant or Forrester Wave covers life actuarial modelling as a distinct category. Third-party coverage is concentrated in InsuranceERM and Risk.net awards plus trade-press tech guides. Celent has published insurer cloud-vendor surveys but no dedicated actuarial-modelling Solutionscape for Prophet — buyers lack an analyst ranking and substitute peer networks and consulting firm (Deloitte, Finalyse, Milliman, WTW) recommendations.
    Source: InsuranceERM

Limitations published on Phidea are sourced to the underlying citation and reflect what is publicly named — not an exhaustive list. Consult the vendor card for the full record.

Frequently asked

Do any carriers run both Atidot and FIS Prophet?
Not in Phidea's public roster. Across 10 sourced carrier-deployment entries on both vendor cards, zero carriers appear on both. The two tools are addressing different carriers within the same stack layer.
Who owns Atidot and FIS Prophet?
Atidot is independently held. FIS Prophet is public (NYSE:FIS).
Are Atidot and FIS Prophet the same generation of tool?
No. Phidea classifies Atidot as ai-native and FIS Prophet as modern. Generation reflects the underlying technology era — legacy is pre-cloud, modern is cloud SaaS with classical ML, AI-native is built around deep learning or LLMs from day one. For carriers picking between them, the generation gap usually matters more than feature comparison.
Which has more named US carriers?
FIS Prophet has the larger publicly-named US roster: Atidot 2, FIS Prophet 4. Public-roster size is a coverage signal, not a quality signal — vendors with stronger NDAs may have larger actual US footprints than the public count shows.
Where are these tools positioned in the insurance stack?
Both sit at the actuarial layer. Atidot operates as a standalone vendor; FIS Prophet operates as a standalone vendor.

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