Core insurance systems—policy administration, claims, reporting and billing—frequently were designed as industrial-strength carrier processing systems. Each system typically would handle all functions for each type of business the carrier writes. But as carriers move policy processing out to their distribution channel, they look to extend access to their core systems to non-traditional users, such as independent agents. That exposes the limitations of these systems.

Typical independent agents use at least five carrier systems to quote, qualify and perhaps even issue and service policies for their clients. That leaves them increasingly sensitive to the usability of the various systems. In response, carriers have customized their policy administration systems (PAS) for agent use by removing access to confusing options, or by providing alternate quoting or submission components.

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