VPAS® Platform


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
  • 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
  • Anti-money laundering
  • OFAC database validations
  • Child support database validations
  • SEC guidelines
  • Statutory requirements
  • PCI credit card compliance
  • Gramm-Leach-Bliley
  • Sarbanes Oxley
  • SSAE16

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