The VPAS® platform is a comprehensive suite of insurance policy administration software modules, deep insurance expertise, and a world class data center to reliably deliver on your business goals. Our insurance software platform is specifically designed for rapid product introductions, robust distribution channel support and flexible, end-to-end servicing of open and closed blocks of life, annuity, disability and health protection products.

The VPAS® platform – a insurance policy management software supports the complete policy lifecycle from e-application and policy issue to claims processing. Whether you have 3,000 policies or 3 million, 30 product categories or 300, the VPAS® platform is extremely scalable and delivers the flexibility required to compete in today’s market. Our platform enables you to quickly configure business rules and objects to reuse them, and to rapidly convert data from legacy systems in a cost-effective manner. Through our self-service options and mobile enablement, your agents and policy owners can access and execute transactions from any location at any time.



Our state-of-the-art customer service work desk, the web presentation layer of the VPAS ® platform provides the gateway for access to the complete platform capabilities, and is connected through web services to the underlying insurance services. All processes are executed under control of integrated workflow and business process management tools that provide explicit control of work items, including tracking and reporting of service metrics.

The business rules and event processing engines are accessible through web services so that all functional layers use common data, rules and processes to produce consistent results regardless of the access point, be it direct web inquiry, call center interaction, in bound back office processing driven by workflow, or outbound documents delivered to customers. The VPAS® platform provides the tools you need to perform:

  • New business fulfillment
  • Contract / Policy recordkeeping
  • Billing collections and disbursements
  • Customer services
  • Claims and benefits payment services
  • Investment management services
  • Financial services

Business architecture

Service-oriented architecture

  • Web service integration
  • ACORD standards

Plug-and-play with carrier software

  • Underwriting and Issue
  • Self-service websites
  • Client relationship data
  • Print origination and fulfillment

Endless scalability

  • Multistream batch processing
  • Operating system independence
  • Hardware independence
  • Multistreamed batch processing

Robust stability

  • State-of-the-art balance and control integration
  • Key performance indicator dashboard
  • Error tracking dashboard


Our insurance services and solutions span the entire life and annuities value chain, delivering quickly and reliably for lower cost. These enable you to reduce time to market for new products, expand globally, streamline management of complex distribution channels, and penetrate new markets. Infosys McCamish enhances your competitiveness: optimizing and transforming your processes, providing robust platform solutions, and taking accountability for high quality service to your customers and agents.

Our offerings

Distribution partner services

Producer management service

  • Distribution partner call center
  • Maintenance and tracking support for:
    • Insurance licenses
    • Continuing education
    • Appointments (state and county)
    • Securities registration
    • Other requirements (AML, suitability)
    • Before and after picture of the data

  • Enforce compliance rules
  • Complete audit trail for all agent updates: event type / user date / time of change
  • Producer gateways to DTCC, appointment vendors, internal and external platforms for producer validation

Producer compensation service

  • Calculate compensation
  • Maintain unlimited calculation and pay levels
  • Statement and payment processing

  • Automated deductions for benefit or tax withholding
  • Integrated accounting and reconciliation

New business

Application capture

  • Straight through processing
  • Application entry
  • Electronic feed import
  • ACORD / DTCC / Custom

Application fulfillment

  • IGO identification and tracking
  • Exchange processing
  • Cash with application

Plan setup and enrollment

  • Plan setup
  • Census data import
  • Enrollment processing


  • Case management

Policy issue

  • Policy assembly
  • Automated assembly

Contract / policy record-keeping

Contract maintenance

  • Indicative changes
  • Billing-related changes

Contract changes

  • Benefit changes
  • Rider changes
  • Premium changes

Financial events

  • Event processing
  • Commission triggers
  • Financial accounting

Scheduled Events

  • Periodic deductions
  • Investment options
  • Systematic withdrawals
  • Benefit-related


  • Confirmations
  • Notices
  • Letters

Billing collections and disbursements

Individual billing Methods

  • Direct mail, EFT / ACH, credit / debit card, direct to financial institution, secure email, mobile / SMS text


  • Unlimited schedules, non-standard (9-pay)
  • Configurable messaging

Group billing

  • Group remitter
  • Salary deduction
  • Real-time reconciliation


  • Lock box processing
  • Remote check deposit
  • Desktop /mobile devices
  • One time payments
  • Alternate sources
  • Collection failure processing

Suspense management

  • Reconciliation
  • Suspense transfer
  • In-kind refund

Balance and reconciliation

  • Daily / monthly

Customer services

Contact center

  • US-based
  • Offshore options
  • Language options
  • Call management metrics
  • Configurable messaging

Process customer’s request

  • Once and done approach
  • Real-time orientation
  • Workflow automation
  • Automated confirmations

Self-service option

  • Hosted website
  • Hosted IVR
  • Integration via web services

Claims and benefit payment services


  • Claim fulfillment and tracking
  • Claim adjudication
  • Calculate benefit
  • taxation
  • Reinsurance

Benefit payments

  • Withdrawals and terminations
  • Retirements and maturities
  • Calculate benefits
  • Disbursement processing
  • Taxation

Billing collections and disbursements

Fund pricing

  • Multiple price sources
  • UV calculations
  • Automated price correction

Separate account record keeping

  • Policy trade process
  • Fund holdings
  • Asset fee accrual
  • Trade aggregation

Trade and settlement

  • Net trade request
  • Asset fee collection
  • Position recon
  • Trade settlement

Fund Accounting

  • Policy liability accounting
  • Fund asset accounting
  • GA/SA due to/from accounting
  • Asset fee accrual accounting
  • Trade settlement accounting

Daily balance and reconciliation

  • Policy trades to separate account
  • Separate account to fund positions
  • Accounting recon
  • Settlement cash suspense recon

Financial services

Suspense management

  • Reconciliation
  • Suspense transfer
  • In kind refund


  • Bank wire processing
  • Lockbox processing
  • Remote check deposit
  • Return item processing


  • Check writing
  • ACH / Positive Pay®
  • Stop payment/void
  • Abandoned property
  • Escheatment fund transfers

Balance and reconciliation

  • Batch validations
  • Interface reconciliation
  • Suspense reconciliation
  • Bank activity reconciliation


  • Carrier account mapping (initial and ongoing updates)
  • Adjusting entries

Support services

Metrics / workflow and administration

  • Workflow development & maintenance
  • Integrated process flows
  • Image scanning and indexing
  • SLA reporting

Training / documentation

  • Ongoing training and process support
  • BPM processing guide updates
  • Standard operating procedure updates

Quality control

  • Statistical sampling methodology
  • Critical / non-critical audit criteria

Production support

  • Rapid response
  • Night operations
  • Surround system integration
  • Break fix resolution
  • Work orders / enhancements


Compliance and audit

  • SEC guidelines
  • Statutory requirements
  • PCI credit card compliance

  • Gramm-Leach-Bliley
  • Sarbanes Oxley
  • SSAE16

VPAS® Platform


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