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Reference Architecture (Framework)

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a framework for the future.

Today we live and work in a diverse and global marketplace. The reference architecture includes a set of industry reference models that can be utilized individually, or collectively. It also serves as the basis for model-driven standards development and is flexible enough to cross lines of business and geographic borders.

The Seven Facets​

The ACORD Reference Architecture is a series of seven interrelated industry models, or facets, that use different views to define the nature of the insurance industry.


Business Glossary

Business GlossaryThe Business Glossary co​ntains standardized definitions of insurance concepts, such as "Beneficiary", and includes synonyms, business line-specific usage, and references utilized through​out the other facets. The Business Glossary's consistent terminology will help improve communication between partners and within project teams.

Capability Model

Capability Model The Capability Model defines a baseline of the things the insurance industry and in particular insurance companies need to do – the company’s capabilities.  The capabilities are presented in a functional decomposition and does not define an ordered workflow; it reflects the industry’s capabilities and un-sequenced processes performed.  This model can be used in process engineering, merger/divestiture evaluations and business operations analysis.

Component Model

Component Model The Component Model is a set of reusable component templates for the various data services in the insurance industry, organized around the kinds of concepts described in the other models. This model has many uses including portfolio rationalization design and the basis of specifications for software builds or buys.

Data Model

Data ModelThe Data Model is a logical level entity-relationship model. “Logical level” implies that it can be utilized in any database implementation. Some of the many uses of the ACORD Data Model include designing physical data models, data warehouses, or validating your own data models.  The Data Model is generated from the Information Model.
The Data Model Implementation Guide provides guidance, tips and best practices useful for creating a physical implementation.

Information Model

Information Model

The Information Model provides the relationships among insurance concepts, such as Policy, Product, Party, and Claims. It can be used to jump start application development and as a semantic model for integration, among other uses.

The Information Model 2.x general releases are now available. The 2.x releases are a major iteration of the ACORD Framework Information Model, harmonizing concepts found in the 1.x releases, concepts from the IBM donation of the Business Object Model along with refinements suggested by many cross domain industry experts. Please view the readme file for additional details. If you wish to view the model in the native MagicDraw format and do not currently own the MagicDraw UML client, you can download a free viewer at


Process Framework

Process FrameworkThe Process Framework provides a process-oriented framework for implementing insurance processes and ACORD messages in an insurance enterprise. It defines a set of referent processes for the insurance industry that are aligned to the Capability Model with roles and data derived from the Information Model.

Finally, all included messages are mapped to ACORD’s Data Standards. The result is a cohesive framework, ready to be adapted and extended to meet specific enterprise needs.  Access to the Process Framework will be made available shortly. Please contact member services at for additional details.

Product Framework

Product DiagrammingThe Insurance Product Framework starts with a graphical notation that allows ​a company to quickly, easily and precisely represent insurance products in a manner that is useful to all levels of the company. This is complemented by ACORD Product Schema that enables an XML representation of the product model, and data interchange across enterprise tooling.

Join the Product Diagramming Community​ and help shape the future of this revolution to the insurance product development lifecycle.  Access to the Product Framework will be made available shortly. Please contact member services at​ for additional details.

Standards Mappings

Standards Mappings

The Standards Mappings documentation provides for traceability between the ACORD reference architecture and ACORD Standards. The mappings acc​ount for:

  • Capabilities (e.g. business functions) and their associated Standards transactions (e.g. business messages)
  • Glossary Terms (e.g. business concepts) and their representation within the Standards