Rich Internet Applications (RIA)

Rich Internet Applications provide the capability of desktop applications through the Internet. Although not necessarily appropriate for every audience, they can radically improve the usability, effectiveness and experience of the system. Total Objects designed GLOBAL XII, its web-based customer / user interface, so you can take full advantage of RIA tools.

Workflow / Task Management

For mass-market products we believe that almost all processing should be handled by the system, Straight-Through-Processing (STP), resulting in incredibly low cost per quote / policy - as little as 4p per policy. However, there are processes where human intervention is required - underwriting referrals and claims amongst them. Workflow provides management, control and reporting over processes, utilised either through tactical implementations or through our Xccelerator solution.

Customer Relationship Management (CRM)

The importance of effective management of the customer relationship is paramount, as it drives sales, customer satisfaction and overall profitability. The GLOBAL MGA Product Suite has been designed to integrate seamlessly with market leading CRM solutions such as Microsoft Dynamics and Salesforce.com as well, providing a strong call centre capability.

Prototyping

We use prototyping in two connected ways. Firstly, we can design the overall customer experience with the client, and provide a rapid, realistic view of the end-solution. This ensures that what is delivered is exactly what is required and significantly reduces the development time. Using this prototype as a base, we can then use the same tool to model new insurance products - which can cut the time taken to develop products improving speed to market.

Product Repository - SharePoint

When provided with the flexible tools for product development and refinement within the GLOBAL MGA Product Suite, management are able to change products quickly according to market conditions. To support the audit trail of non-system documentation, and to tie everything together, Total Objects designed a Product Repository using Microsoft SharePoint, the leading document management solution.

Auto-Underwriting and Decisioning

Total Objects has proprietary rating engines, but are partners of Polaris, which supports insurance industry standards. We have learnt lessons from other industries on how to utilise decision engines in the customer, product and experience realms, which we believe makes us unique in the insurance market.