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Life and Retirement Services

 

Life insurers continue to face challenging economic times. Slow global recovery and modest investment incomes compound existing pressures arising from shifting demographics, changing buyer preferences, evolving sales channels, and shrinking customer base.

Life insurers are, therefore, responding to this difficult marketplace by re-inventing the traditional ways of doing business.

 

Existing processes are being streamlined and innovation is driving new ways to reduce costs in order to remain competitive while engaging new customers and retaining existing ones. All of this is achieved while increasing speed-to-market and underwriting profitability. New operating models in areas like closed book and retirement services are leveraging BPO / ITO synergies.

 

TCS’ technology expertise and domain experience help organizations solve the complex challenges facing the Life & Retirement Services industry. We help you streamline your core processes while reducing costs and increasing focus on customer acquisition and retention. We leverage our analytics skills and industry knowledge to increase underwriting profitability and improve production from multiple distribution channels.

client challenges

  • Streamlining IT services cost
  • Emerging from a depressed global marketplace
  • Satisfying the new age tech-savvy policy holders
  • Increasing efficiency in closed books management and legacy systems administration
  • Overcoming soft underwriting conditions
  • Launching innovative products quickly
  • Opening new growth opportunities through improved channel management
  • Moving to data-driven decisions
  • Coping with a heightened regulatory environment
  • Strengthening relationships with independent financial advisors 

what tCS provides

With more than three decades of insurance expertise and global operations that serve the top life insurers around the world, TCS is viewed as a leader in providing state of the art services to the industry. Our history of success with application portfolio and process flow transformation, along with repeated implementations of customer-facing, distribution and underwriting technology, allows us to offer comprehensive solutions to the most vexing life insurance challenges.

Some of the specific services and solutions for the Life Insurance sector include the following:

  • Improving time-to-market
  • Legacy modernization solution for tnsurers
  • Claims transformation
  • Policy administration transformation
  • Application and platform rationalization
  • Enabling efficiency in new business acquisition
  • Multi-channel distribution management solution
  • Package evaluation of insurance products
  • Insurance business intelligence solutions
  • Insurance CRM solutions
  • Simplifying business process management
  • Underwriting optimization
  • Web and mobile solutions
  • Fraud detection and analytics
  • Predictive analytics  

business value

TCS partners with you to improve efficiency, reduce costs, raise customer satisfaction, and strengthen partnerships. Our engagements have helped our customers realize substantial business benefits. Some of which include the following:

  • A 50% reduction in operational costs by enhancing the retirement services payment processes
  • A 5% year-on-year continuing cost reduction in addition to an initial 50% drop after a comprehensive consolidation and BPO program
  • Year-on-year cumulative productivity gain of more than 35% in the fourth year of an engagement with a large UK insurer
  • A 25% increase in leads as a result of a CRM sales system implementation

Case Studies

Allianz Life engages TCS to transform its License, Contract and Appointment Process

Learn how TCS re-engineered the company’s LCA processes and migrated its data from the source legacy systems to a new agent management system and helped Allianz Life introduce new and more creative products faster into the market.

Case Studies

Allianz Life Insurance improves service levels while achieving cost savings by outsourcing its operations to TCS

Learn how TCS BPO serviced the Allianz Life Insurance's all business units, including new business, policy administration, policy holder benefits, claims and agency services. The change has resulted in operational cost savings for the company, a significant increase in service levels and better customer satisfaction.