IBM Insurance Front Offi ce Solutions - IBM Insurance Primer
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IBM Insurance Primer IBM Insurance Front Office Solutions
IBM Insurance Front Office Solutions
Page 2
Booklets about IBM in Insurance include the following:
“Insurance 2020 – Innovating “Infrastructure Transformation” “IBM Non-Life (P&C) Insurance
beyond old models” – discusses – discusses ways in which to Core System Solutions” – strategies
the strategic challenges insurance implement an optimized, resilient and for replacing, modernizing or
companies will face in the insurance secure infrastructure aligned with transforming the primary systems
marketplace of the future and shares business goals and enabling the that process and issue non-life
ideas for moving from today’s realities delivery of business value. (P&C) products including Policy
to tomorrow’s potential. Administration, Underwriting, Billing,
IBM Life Insurance Core System Claims, Life-Cycle Management and
“Business Transformation” Solutions” – strategies for replacing, Enterprise Business Systems.
– develops the Component Business modernizing or transforming the
▲
Model and the IBM Insurance primary systems that process and “IBM Insurance Front Office
Application Architecture (IAA) issue life and annuity products Solutions” – helping insurers manage
as means toward transforming a including Policy Administration, distribution channels, improve
business. Underwriting, Product Life-Cycle customer retention, increase sales and
Management and Benefits Payment. provide timely products and services
“Application Transformation” to multiple stakeholders across
– presents the benefits of a Service- multiple sales channels.
Oriented Architecture and two areas
of application transformation: legacy “IBM Insurance Risk and
reuse/modernization and model-driven Compliance Solutions”
custom development. – generating business value by
making risk management and
compliance more pervasive and
integrated parts of day-to-day
business management.IBM Insurance Front Office Solutions
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IBM Insurance Front Office Solutions
Contents
Today, cost cutting and a renewed focus on profitability are driving the
technology investments of insurance companies. While many focus on core
IBM Insurance Front Office insurance capabilities, the front office is increasingly becoming an area of
Solutions 3 strategic importance. Having the right distribution strategy and making the right
Sales and Customer Service 4 investments in the front-office solutions are essential.
Data and Analytics 8
Insurance companies face multiple challenges across distribution channels and
Distribution Channel customer touch points. Agent populations are declining in both the independent
Management 9 and career agent channels, insurers need to weed out less productive and
Leveraging IBM Services unprofitable agents, and competition for high-producing profitable agents is
and Middleware Capabilities 12 increasing as other financial service providers compete for resources.
Business Partners 12
Insurers are also investing in and building alternative distribution channels,
Infrastructure for Enabling particularly direct channels. And, although agents dominate the share of
Delivery of Business Value 14 premiums, this share is steadily shifting to alternative channels. In the long-term,
Why IBM? 15 distribution channels are likely to become profit centers in their own right. This
shift to profit centers will bring increasing pressure to reward production and to
lower commissions. In addition, as alternative channels grow, many insurers will
shift to hybrid service models that are mainly agency-centered with call center
and Internet support aligned with customer preferences.
Customer behavior, preferences, and needs are also beginning to change. Younger
customers are more technologically savvy, want more options on how to conduct
transactions, and are more price-sensitive. As their life expectancy increases, older
customers are increasingly demanding accumulation products with long-term
guarantees over protection products. Finally, as consumer preferences change,
consumers and insurers will shift more towards the use of self-service tools.
IBM’s Insurance Front Office Solutions provide the technology, expertise and
capabilities for managing distribution channels, improving customer retention,
increasing sales and providing timely products and services to multiple
stakeholders along the carrier-to-customer value chain and across multiple salesIBM Insurance Front Office Solutions
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channels. IBM can create and implement tailored solutions that service and
Highlights
manage distribution channels and enhance customer insights and analytics in
ways appropriate to each insurer’s strategic focus. Whether seeking to dominate
specific market segments, compete on price, or maintain scale, insurers need
to provide strategic and timely information and insight, have state-of-the-art
information management systems, common data integration, and the right
IBM Front Office Solutions can hardware platforms to provide accurate, and timely products and services to their
help insurance companies achieve sales channels and customers.
distribution effectiveness, compen-
sation excellence, optimized agent IBM Insurance Front Office Solutions are supported by the breadth
performance, efficient management of IBM services and middleware capabilities and cover three broad areas with
of complex channel and customer many underlying offerings that span the insurer-to-customer value chain.
relationships, and integrated These three areas are:
analytic data. • Sales and Customer Service
• Data and Analytics
• Distribution Channel Management
Sales and Customer Service
Sales and Customer Service offerings are designed to improve the sales, servicing
and customer retention and relationship management of insurance companies in
both Life and Non-life (Property and Casualty).
IBM Sales and Customer Service offerings use IBM experience and capabilities
to assess the effectiveness of the distribution network and recommend strategic
and tactical measures that directly improve profitability. These measures can
help insurers consolidate systems that are often unique to different channels;
create a single, seamless channel-spanning process for consumers and agents; and
improve the experience of both policyholders and agents by integrating channels
and creating consistent user experiences that leverage industry standards such as
ACORD.
IBM Sales and Customer Service offerings can help insurers rapidly introduce
new channels on demand with rich functionality tailored to market requirements.
They help improve the efficiency and capability of point-of-sale systems through
consolidation, up-front risk screening, straight-through processing (STP),IBM Insurance Front Office Solutions
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electronic forms and automated workflow processing. They can lead to greater
Mutual life insurer improves enterprise point-of-sale efficiencies by modernizing contact center and agent desktops and
architecture to drive down IT costs. enabling agents to operate away from the office. And, they can also help ensure
A U.S. insurance company kept infor- that point-of-sale environments and distribution channels are secure and resilient.
mation in vertical silos, segmented by
business units. No consistent view of IBM and strategic IBM Business Partners address two fundamental issues
the business or complete understand- concerning the sales and customer service environment:
ing of customers was available, and • What insurers can do to improve distribution effectiveness. IBM skills and
the company needed to strengthen expertise help to develop sound strategies and tactics. With the leading market
business relationships across sales share in insurance, IBM provides insights and experience from a global
channels. Management decided to perspective that is unique in the industry.
provide agents with automated tools • How distribution capabilities can be improved. IBM uses knowledge of the
to increase their effectiveness and industry as well as direct experience with many insurance companies to
eliminate information silos. IBM soft- develop tailored points of view and roadmaps on how the sales and customer
ware products like IBM WebSphere, service environment can be optimized. IBM and its partners provide a proven
DB2 and Tivoli together with IBM collection of “building blocks” that can be assembled in a variety of ways from
zSeries® servers were integral to the wholesale replacement to modernizing.
solution.
IBM Insurance Sales and Customer Service offerings include:
The company’s Web-centric • Captive Agent Solutions
infrastructure and solutions have • Third-Party Agent Solutions
delivered a competitive edge, while • Consumer Access Portals and Kiosks
an open systems infrastructure allows • Contact Center Solutions
easily integrated best-of-breed • Forms Management and Electronification
solutions. Over the past two-and-a-
half years, IT expenses are down by Captive Agent Solutions
more than 30 percent. Captive Agent Solutions are designed primarily for large carriers and they include
both desktop and office (storefront) solutions with the following components:
• Strategy and change – package selection, diagnostics and business process
reengineering
• Legacy system modernization – strategies, architectures, tools, roadmaps, and
accelerators for modernizing (transformation or replacing) the point-of-sale
systems
• Captive agent workplace – information and transactional capabilities via a
desktop or portal to transform an agent’s workplace
• Agent branch modernization – for improving a captive agent’s office location,
including storefront modernization and other solutionsIBM Insurance Front Office Solutions
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Third-Party Agent Solutions
Highlights
These solutions include Web sites and portals to provide agents with self-service,
and support functions.
• Strategy and change – package selection, diagnostics and business process
reengineering
• Legacy system modernization – strategies, architectures, tools, roadmaps, and
accelerators for modernizing (transformation or replacing) the point-of-sale
The benefits of IBM Front Office systems
solutions include lower cost of • Third-party agent workplace – workplace transformation that provides
ownership, increased flexibility for information and transactional capabilities via a desktop or portal
enhancements and deployment
options, agent utilization Consumer Access Portal/Kiosk
optimization, performance Consumer access solutions include Web sites, kiosks and portals that provide
management implementation customers with self-service, shopping, purchasing and support functions.
via consolidated reporting and Offerings include:
analytics, and ease of use for • Strategy and change – package selection, diagnostics and business process
customers and agents while doing reengineering
business. • Legacy system modernization – strategies, architectures, tools, roadmaps and
accelerators for modernizing (transformation or replacing) the point-of-sale
systems
• Consumer workplace – information and transactional capabilities via a desktop
or portal
• Kiosk solution – information and transactional capabilities for consumers
via a kiosk
Contact Center Solutions
Contact Center Solutions are designed to improve and optimize the design,
development and operation of contact centers across the enterprise. The solution
offerings include:
• Contact center strategy – helps insurers envision, design and build customer
contact capabilities that support their strategic direction and deliver tangible
value
• Contact center optimization – provides contact centers with enhanced solutions
that leverage technology and best practices that optimize their current solutionsIBM Insurance Front Office Solutions
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• Contact center infrastructure – enables contact centers with infrastructure
Highlights
technology that provides modernization and/or transformation resulting in
improved contact center efficiencies and operations
• Contact center desktop – modernizes the customer service representative’s
desktop using custom-built or packaged solutions, thereby improving the ability
Contact Center Solutions are of contact center representatives to address new business challenges including
designed to improve and optimize multi-channel integration and support
the design, development and
operation of contact centers across Forms Management and Electronification
the enterprise. This offering uses electronic equivalents to replace paper for hundreds of forms
used in the distribution channels. This impacts insurers’ business models by
changing the way customer information is captured, including situations where
customers are doing the data entry without agent intermediation. Once the form
data is captured and stored, a set of previously created business rules is employed
for document generation. XML-formatted data is used at the application level to
automate downstream business processes that access the information captured in
the electronic forms. Documents such as policies are then intelligently processed
in their final, compliant form and simultaneously distributed through multiple
channels in the required individual formats. This offering primarily addresses
electronic forms in the channel, for example, forms for applications and claims,
and less so enterprise electronic forms like those for HR or procurement.
Strategy and Change Offerings
Strategy and Change offerings include:
• Diagnostics – IBM provides structured support for analyzing an insurer’s
current front-office environment to identify areas for improvement and provide
recommendations of next steps and solutions for improvement.
• Package selection – IBM can develop criteria and evaluate markets to
determine and recommend the right software packages to meet a company’s
needs.
• Proof of concept – IBM can provide proof of technology or concept assistance
by engaging IBM lab and development resources.
• Change management – IBM can also create strategies to manage the changes
insurers encounter with the introduction of new technology and/or processes.IBM Insurance Front Office Solutions
Page 8
Data and Analytics
U.S. insurer unifies customer data from Growth remains the focus for insurers’ business operations. Insurance companies
several LOBs and dozens of systems. want to transform their ability to leverage enterprise data assets to drive profitable
A leading insurer had customer data revenue growth, improve business performance and customer intimacy. The
spread across three organizations reporting of trustworthy business results with relative ease is becoming more
and five lines of business with over and more important as regulatory requirements tighten and response times
30 back-office and CRM systems to material events increase. Companies should be positioned to avoid frenzied
needing unification. The insurer scrambles whenever a business question needs to be answered and there is no
implemented a unified, enterprise- existing report with the desired information. IBM Data and Analytics offerings
wide system of records, choosing IBM are designed to enable insurance companies to use enterprise information to
and DWL, a data integration solution. improve the effectiveness of marketing their products and to increase the value of
The solution is deployed on the IBM customer relationships.
Software Development Platform
IBM pSeries® servers with IBM DB2 IBM Data and Analytics offerings include:
Universal Database.™ • Master Data Management
• Business Intelligence
The insurer has realized processing • Marketing and Analytics
efficiencies based on more com-
plete customer information and more Master Data Management
streamlined processes in the client This offering provides a complete, high-quality single view of customer
acquisition area. Internal momentum information within the enterprise and between the enterprise and the outside
from short-term success and busi- to support marketing sales and service. Building an integrated, enterprise-wide
ness value creation will carry over to approach to customer data management requires a consistent method of data
other lines of business. integration and quality improvement using common implementation methods,
industry data models, and data management tools. This offering identifies,
profiles, sources, and cleanses data to build in stages an integrated data
warehouse and/or real-time client file to provide a full view of the customer and
business. Similar to the customer data file, we offer both file structures and build
services for maintaining complete single-view information on producers within
the insurer’s distribution network. We provide the tools, structures and best
practices for insurance companies to manage the life cycle of insurance products,
including product design, product rules specifications, product channel tailoring,
and product performance assessment. And we help insurers manage third-party
data essential to the claims and underwriting processes.IBM Insurance Front Office Solutions
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Business Intelligence
Highlights
This offering helps identify customer segments to pinpoint where customer value
is created or destroyed and to more accurately respond with potential products
and services, thus creating differentiated and efficient marketing, sales and service
strategies. The offering uses the experienced IBM business intelligence consulting
services organization, outstanding data management products, strong Web services
and message integration software, and ISV business intelligence and analytics
capabilities and products.
Business intelligence helps
carriers create, maintain and Marketing and Analytics
provision a consistent, integrated This offering builds on the analytics performed on consistent customer data
“warehouse” of analytic data to market the right product to the right customer. The offering helps clients
that can be leveraged to improve identify campaign opportunities, perform customer selection for campaigns,
business performance. plan campaign management, interact with customers, perform near real-time
campaign measurement and analysis. The offering covers both inbound and
outbound campaigns as well as event-driven marketing. This generates a real-
time identification of opportunities and the intelligent notification to agents
about customer activity and profile/policy events (large policy addition, pending
cancellation, new child, marriage, etc.).
Combined with IBM Insurance Sales and Customer Service, IBM Data and
Analytics solutions enable insurers to make the right proposition to the customer
for more effective cross-selling, retention or improved servicing. Combined with
IBM Insurance Core System solutions, this offering provides analytics that enable
the right products, services and product combinations to be developed to move
the customer to the next profitable sale.
Distribution Channel Management
Insurers are looking for new compensation plans as they seek to change or
retire older ones. They also want to reach a competitive advantage in attracting
producers, have the ability to reward loyalty and affect producer behavior. In
addition, brokers and agents are consolidating and want greater leverage with
insurers. Some are increasingly looking for advances, payment options and other
benefits to make up for the lost compensation stability that career agents have.IBM Insurance Front Office Solutions
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Furthermore, insurers looking to adopt a distribution channel management
Highlights
solution often face the following issues:
• Incentives not being utilized effectively to support the company’s growth
strategies and revenue targets
• Compensation systems that expose the company to unacceptable risk or
regulatory non-compliance
• An outdated legacy commissions system, or manual processes, or some
combination of tools that is inherently unreliable, unstable and not audit worthy
Distribution Channel Management
offerings simplify the business pro- Distribution Channel Management offerings simplify the business processes that
cesses that support relationships support relationships between the insurance company and its producers. They also
between the insurance company enable the allocation of sales and marketing resources among channels and within
and its producers. channels. The result is a strong alignment between the distribution strategy and
execution and the overall business objectives. In addition, IBM offerings can assist
with the recruitment, compensation and training of agents, and with managing
agent credentials for regulatory compliance.
IBM Distribution Channel Management offerings help insurers address the
following questions:
1. Does the company understand the channel trends and what the right investment
allocation should be by channel type?
2. Are the right products sold to the right customer at the right price?
3. Can performance be qualified by agent and by product/services sold?
4. Are channels operating at capacity?
5. Are the skills in the channel and product knowledge up-to-date?
6. Are individual agents appointed to product categories that they know how to sell
best?
7. Are agents enabled with office or field technologies that allow them to maximize
sales per customer?
8. Are the right incentives in place to drive the best agents in the industry to the
company’s portfolio, in compliance with current regulations?IBM Insurance Front Office Solutions
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IBM Distribution Channel Management offerings include:
Large North American Property & • Commissions and Compensation Management
Casualty insurer builds comprehensive • Producer Administration
360-degree view of customer data with • Channel Performance Management and Analysis
WebSphere Customer Center (WCC).
This insurer has selected Commissions and Compensation Management
WebSphere Customer Center These offerings provide accurate, timely and flexible commission/compensation
(WCC) as their standard Enterprise for all distribution channels, reducing expenses and improving top-line growth by
Customer Information Broker incenting improved behavior of producers.
Hub (ECIB) to support their
Customer Intimacy initiative. The Compensation Management drives behavioral change by providing the ability
implementation spans all operating to quickly tune incentives and drive change into sophisticated hierarchies and
companies and lines of business networks, concentrate agents on high-value tasks by reducing the cycle time from
including domestic Property and receipt of premium to payment of compensation, and align compensation with
Casualty insurance, Life Insurance both the insurer value creation strategies and producer goals.
and Retirement Savings, and Asset
Management. Compensation Management is comprised of diagnostic assessment, compensation
process design, and implementation services – typically focused on key selected
This solution achieves tangible compensation engine vendor applications encompassing compensation calculations,
short-term return-on-investment payments and reporting. Compensation Management can be further integrated
results and, when compared to an with sales force automation tools to improve opportunity pipeline management,
in-house build, delivers a lower life- enable impact analysis of various product and pricing configurations, and enhance
cycle total cost of ownership. The quota management.
ECIB solution will improve the ability
to identify and provide differentiated Producer Administration
treatment of high lifetime-value These offerings manage the producer life cycle – licensing, appointment, ongoing
customers and improve organic education and relationship of producer channel hierarchy.
business growth resulting from
expanded cross- and upsell to Channel Performance Management and Analysis
existing customers. This offering supplies analytics that can identify, manage and optimize producer
performance. It employs flexible tools for the management and reporting of
sales activities and performance by channel, territory or producer group. The
agent/agency population can be segmented by value creation, which allows for the
application of correct and optimal investment strategies in channel development
and support.IBM Insurance Front Office Solutions
Page 12
Leveraging IBM Services and Middleware Capabilities
The IBM Front Office Solution leverages the depth and breadth of IBM’s
services and robust middleware capabilities. IBM Service Components include
Business Consulting Services (BSC) Implementation, Component Business
Modeling, Service-Oriented Architecture, Financial Service Architecture On
Demand Infrastructure, and Pervasive Wireless. The core IBM products and
assets leveraged include the IBM WebSphere® Business Integrator (WBI) family,
WebSphere Information Integrator, WebSphere Portal, IBM Lotus® Workplace™
family, IBM DB2® Content Manager and Intelligent Miner,™ IBM Tivoli® family,
IBM Insurance Application Architecture (IAA) and IBM Insurance Information
Warehouse (IIW).
Business Partners
Table 1 lists IBM Business Partners and the many Front Office solutions they
provide.
Table 1. IBM Business Partners (listed alphabetically) Geography
Adobe Systems (www.adobe.com)
The Adobe Intelligent Document Platform bridges the digital and paper worlds. By leveraging the global acceptance
of PDF and XML, documents become instantly smarter, with information traveling where needed, as needed, more
simply and securely than ever before. Adobe solutions help enterprises extend the reach of their core applications
inside and outside the firewall. The platform gives enterprises the ability to create and integrate intelligent Worldwide
documents – the cornerstone of the platform – that can be accessed and interacted with through universal clients,
such as Adobe Reader software. Adobe Document Services include two powerful components: Adobe Acrobat and
the Adobe LiveCycle line of J2EE®-based enterprise servers and design tools, which help insurers manage business
processes and enable more secure communications across the enterprise.
Avaya (www.avaya.com)
IBM and Avaya provide comprehensive solutions to help companies unify their communication channels. Doing this
builds a complete view of each customer for efficiently managing accounts, portfolios or policies and to improve
service and increase the sale of new products. IBM and Avaya can also help insurers broaden customer reach with
Worldwide
agent-assisted channels, such as agent offices and contact centers, with self-service channels that include Web
browsing, speech recognition and interactive response, and with assisted self-service channels, such as e-mail, Web
chat, directed Web browsing and instant messaging. Depending on a company’s needs, implementation can start
with one channel and extend to other channels as needed.IBM Insurance Front Office Solutions
Page 13
Business Objects (www.businessobjects.com)
Spend more time selling and servicing your clients and less time searching for information. IBM’s enterprise
infrastructure combines with the business intelligence (BI) tools from Business Objects to provide insurance
companies with an enterprise-wide view of customers, policies, claims, financials, and operations, regardless of the
mix of legacy data and new sources of information. Over 100 insurance companies use Business Objects and IBM Worldwide
to improve customer insight, simplify regulatory and financial reporting, and make critical operations such as claims
processing more efficient. The company’s business intelligence platform, BusinessObjects XI, includes Crystal
Reports and offers the BI industry’s most advanced and complete platform for performance management, planning,
reporting and analytics.
Callidus Software Inc. (www.callidussoftware.com)
Callidus Software helps boost business results through effective management of compensation to optimize
distribution. The True Comp suite enables companies to increase revenues by accurately rewarding achievement,
Worldwide
timely product introduction and visibility to reports. Through successful implementations in over 100 of the world’s
leading companies, Callidus Software EIM solutions align all marketplace incentives and strategic business
objectives.
Chordiant (www.chordiant.com)
Chordiant and IBM deliver a desktop solution that modernizes sales and servicing processes around core Americas,
Europe,
insurance systems. The solution utilizes an insurer’s existing data, applications and processes to consolidate
Middle
a complex environment into role-based desktops for agents, brokers, claims processors, policy administrators, East, Africa
underwriters, marketers and customers.
Cisco Systems (www.cisco.com)
Today, networks are an essential part of business, and Cisco Internet Protocol (IP) networking solutions are
their foundations. Cisco hardware, software and service offerings are used to create Internet solutions that allow
individuals, companies and countries to increase productivity, improve customer satisfaction and strengthen Worldwide
competitive advantage. Cisco remains committed to creating networks that are smarter thanks to built-in intelligent
network services, faster in their ability to perform at ever-increasing speeds, and more durable with a generational
approach to an evolutionary infrastructure.
Epiphany/SSA Global (www.epiphany.com)
Epiphany provides modern CRM software solutions that enable insurance companies to improve customer service,
decrease costs and increase revenues. By providing a single view of the policyholder, integrating easily with back- Americas,
end systems, and automating complex service processes, Epiphany’s contact center desktop allows insurers to Europe,
improve customer service while reducing operating costs. In addition, with Epiphany Advisor, insurance companies Middle
can drive organic revenue growth by making real-time, personalized cross-sell, up-sell, and retention offers to East,
policyholders at the point of interaction. As a result of their modern J2EE Service-Oriented Architecture, Epiphany Africa
applications augment existing IT environments and deploy rapidly in phases, reducing project risk and accelerating
time-to-value.IBM Insurance Front Office Solutions
Page 14
Genesys Telecommunications Laboratories Inc. (www.genesyslab.com)
Solutions from Genesys help financial institutions transform call centers into next-generation multi-channel contact
centers and enable agents to deliver highly personalized customer care across a broad range of communications
Worldwide
channels. Genesys solutions address the specific needs of financial institutions by leveraging robust functionality
and years of experience in financial services contact centers. They are designed to enhance customer satisfaction
by delivering personalized, real-time, high-quality customer service across all communication channels.
Kana (www.kana.com)
IBM and Kana deliver the fastest time-to-value, implementation and payback with knowledge-powered customer
service solutions that use open standards for maximum responsiveness to business needs. Solutions intelligently Worldwide
integrate enterprise and customer knowledge with business processes for rapid, accurate and consistent inquiry
response that improves customer satisfaction and loyalty while reducing service costs.
Prima Solutions (www.prima-solutions.com)
Prima Platform 3.1 is a rich library of preconfigured insurance business processes and systems integration and
rules-based process management features. It delivers rapid implementation through a comprehensive library of Europe,
95 preconfigured key insurance business processes focused on distribution and claims management processes; Middle East,
maximized reuse of existing IT assets through a suite of technical and functional integration components; and Africa
compatibility with J2EE and Service-Oriented Architecture standards to guarantee portability, performance and
adaptability of the new front-end applications developed from the Prima Platform.
Infrastructure for Enabling Delivery of Business Value
Although the initial focus might be on a business solution in the area of Front
Office a more competitive IT infrastructure is required to realize the full
value of the business solution. In addition to solutions spanning all facets of
insurance (Core Systems, Front Office, Risk and Compliance), IBM offers a set of
infrastructure solutions tailored specifically for Financial Services and is uniquely
positioned to help with a simultaneous two-pronged approach. The affinity
matrix in Figure 1 on the next page suggests infrastructure solutions that would
contribute the most value when pursuing an initiative in the area of Front Office.
For more information on IBM Infrastructure Solutions, refer to the Infrastructure
Transformation booklet in this series.IBM Insurance Front Office Solutions
Page 15
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Why IBM?
IBM has the proven ability to execute solutions for the insurance industry. This is
because IBM is the only partner with the breadth of vision and capability needed
to help insurance companies shape, implement, and ultimately transform their
enterprise capabilities. IBM industry and thought leadership plus outstanding
products and services help insurers reach their business objectives. IBM has
methodologies to help insurers transform by combining expertise and discipline
to manage and implement successfully. IBM is a recognized leader in helping the
industry adopt and benefit from a Service-Oriented Architecture. IBM creates
insurance business solutions by combining insurance solution components from
IBM products and assets that are enabled by industry standards and supported by
an ISV ecosystem and IBM services.© Copyright IBM Corporation 2006 IBM Corporation 1133 Westchester Avenue White Plains, NY 10604 U.S.A. Produced in the United States of America 7-06 All Rights Reserved IBM, the IBM logo, DB2, DB2 Universal Database, Intelligent Miner, Lotus, on demand business logo, pSeries, Tivoli, WebSphere, Workplace and zSeries are trademarks or registered trademarks of International Business Machines Corporation in the United States, other countries, or both. Java and all Java-based trademarks are trademarks of Sun Microsystems, Inc. in the United States, other countries, or both. Other company, product and service names may be trademarks or service marks of others. References in this publication to IBM products and services do not imply that IBM intends to make them available in all countries in which IBM operates. G299-0963-01 IUB00052-USEN-01
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