Usability, accessibility and configurability in a SaaS based portal package

Insurers who resist change and remain dependent on their legacy policy administration systems are missing out on the amazing benefits offered by the new SaaS-based PAS, which offer amazing benefits and improved usability, accessibility and configurability. This article addresses these aspects and lists the benefits that a PAS offers to increase an insurer’s competitive advantage. All PAS systems do not offer such benefits and some cannot replace the legacy system, wasting and obsolete an insurer’s time and resources. Therefore, it is important for an insurer to be well informed and aware of the possibilities of a PAS and the benefits offered by its use.

Insurers who remain committed to their worn-out policy administration systems fail to realize that their commitment is eroding their competitiveness in the market by slowing down their service delivery and limiting their ability to introduce new products to the market.

One way to reverse this slow and steady deterioration is to use a SaaS based portal that will become your new policy administration system. Benefit from its support throughout the entire value chain, from product development to payment of benefits, and manage insurance products with unsurpassed flexibility. This is possible with a well designed SaaS based product due to its usability, accessibility and configurability. Let’s examine each of these benefits in detail so that you have clarity on creating that business case to envision its immediate application:


1. The program offers framework modules, which can be licensed individually or together, providing unlimited flexibility and cost savings for a demanding user.

2. Provides customization and deployment flexibility, supporting multiple clients, currencies and languages.

3. The modules are extremely intuitive to use as no coding is required.

4. Allows you to manage all types of insurance products such as P&C, Auto, Life, Health, Specialty, Warranty, Pension, Annuity, etc. without coding anything; significant savings in time and costs.


1. Available and hosted as a web application or can be hosted in the cloud.

2. The agent portal is integrated into the policy management system to support agents and direct customers.

3. Allows uploading and importing Excel files

4. Makes integration with third parties and payment processes easy and flexible.

5. No programming is required for attaching forms and printing data on forms.

6. Generates policy data as tokens and prints the real-time policy data on forms.

7. Easily upload rule-based forms.

8. Maintains a repository of base forms, cover forms, ACORD forms, exclusion forms for various product lines and maintains them separately in different file subnets for easy access.

9. Can be integrated with multiple policy processing systems, mainly through APIs or XMLs.

10. Organizes forms according to form type.

11. Allows configuration of forms for printing policy data according to the existing (customer) templates.

12. Generates placeholders or tokens to be placed on the policy data forms at the time the form is generated/printed.

13. Adds forms based on user-defined order.


1. It is a self-service product that uses role-based configuration and standard workflows that can be configured by users for their unique business needs.

2. Issues and stores all policy data and documentation according to the product model and ensures that changes and adjustments can be completed in hours instead of days.

3. Product version management allows a single product to be maintained using state-specific, agency-specific, and customer-specific screens, with workflows defined by the user’s role.

4. Business users can easily configure changes without the intervention of DB administrators.

5. Users can easily build new products from scratch without much effort or loss of time.

6. Users can define carriers, agents, brokers, distributors and their company information along with mapping their manufacturers and products.

7. Supports all policy transactions of Quick Quote, Policy Submission and Bind, Account Creation, Quotes, Policy Administration, Endorsements, Renewals, Cancellations, Reinstatements and Rewrites.

8. Default policy states and next actions allow customers to configure the workflows as needed and bypass the policy states that don’t match their business needs. Automated out-of-order approval comes as an added feature.

9. The assessment module allows the maintenance of multiple assessment tables without duplication, ensuring faster response and improved performance due to the execution of rule-based assessment steps, increasing the success rate and ensuring better performance.,

10. Integration with built-in underwriting module, review module and forms module ensures fast responses from each supporting module and completes quote/policy transaction in no time.

11. The acceptance module integrates with multiple systems, allowing the business rules, regulatory rules and user-specific rules to be configured in one location and easy to maintain. It supports searching existing rules, decision tables and scorecards and defines allocation rules and sets expiration dates.

12. The reporting module allows users to generate the reports manually and also activate reports by automatically defining the frequency of reports. It also offers many standard reports and allows users to configure custom reports.

13. Provides role-driven dashboards for carriers, agencies, brokers and other distributors.

14. Provides flexibility to also integrate with any external system.

15. Supports both manual and automated policy processing.

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Visualizing the benefits in time, money and resources of adopting such a system should be very easy after this detailed explanation. Talk to us to set up a demonstration of these capabilities and benefits to understand how they can help improve your business processes and agility. That would help you make an informed choice and avoid paying an exorbitant price for an ineffective product that is meant to replace your old system, but offers no return on your investment and may even affect your business continuity.