Case Study: Panhandle Farmers Mutual achieves 45% DWP growth and 50% processing cost reduction with BriteCore

Panhandle Farmers Mutual Moving to the Cloud Begins a New Era

Panhandle Farmers Mutual, a West Virginia mutual insurer, was held back by paper-based processes, limited digital channels, and difficulty appealing to younger, tech‑savvy customers. To modernize operations and enable growth, Panhandle partnered with BriteCore and adopted its cloud‑native core platform along with BriteApps (policyholder portal), BriteAuth and BriteQuote to replace manual quoting and improve digital access for agents and policyholders.

BriteCore delivered a cloud‑based insurance operating system, a mobile/web policyholder portal, multi‑factor authentication and numerous integrations (e.g., MassPrinting, Hartford Steam Boiler, BB&T, InsVista), enabling automation, remote work and disaster recovery. The transformation drove measurable impact: a 45% increase in DWP, electronic payments rising to about 47%, roughly a 50% reduction in processing costs, faster product launches and higher agent and customer self‑service adoption — all achieved through BriteCore’s platform and partner integrations.

Panhandle Farmers Mutual

Art Meadows

President & Chief Executive Officer