Complex Business Simple Solutions

Virtual Office

Virtual Office™ is the software solution that enables insurance companies to manage and control activities between the insurance company, intermediaries, insureds and potential customers, facilitating the integration of marketing channels with the company’s internal business processes. Our solution reduces operating costs by reducing the time and effort required to quote, issue and manage an insurance policy.

Virtual Office™ boosters new insurance product quick introduction to the market thanks to its configurator product, allowing new coverage generation without code revision. Virtual Office’s Service Oriented Architecture (SOA) allows easy bite-size chunk implementation. It also provides easy integration with other systems of the company.


Online subscription Automated tracking from loading, data validation, risk assessment and policy issuance.
Integration with internal and external systems of the company Interaction with CRM, document production and Business Intelligence applications.
Online communication Updated information on the client portfolio and / or policies.


Improvement in service Deployment of multiple channels so that the client, agents and / or producers can start a sales process or make queries from anywhere.
Improvement in the “Time to Market” Flexibility in the configuration of new products.
Increase the rate of conversion of leads Automated monitoring of the different stages of commercialization.
Increase in production Performing croselling and upselling of current customers.
Reduced operating costs Self-management for customers and producers online.


Sales services

This module provides commercial services that provide the insurer and its intermediaries with tools to boost sales, from collecting customer data to tracking the business process

  • Extraction contacts from social networks.
  • Segmentation of client portfolio to generate email marketing campaigns.
  • Derivation of leads to producers or internal staff of the company.
  • Automated tracking of the sales process: reminders and scheduled activities.
Policy services

The Policy Services module helps optimize the relationship with your distribution channels and customers, by proactively tracking policy status and change history.

  • Integration with CRM, document production and Business Intelligence applications.
  • Automatic determination of the monitoring process and pending requirements.
  • Maintenance of policies online.
  • Management of endorsements.
  • Management of current accounts.
Underwriting workflow

Here is incorporated a workflow subscription based on a BPM engine for the automation and flexibility of the process of issuing policies. The rules engine allows you to create simplified processes to reduce manual effort and operating costs. Users can quickly make changes to business rules to comply with new regulatory guidelines and business requirements.

  • Online subscription process, from uploading and validating data, risk assessment and issuance of the policy.
  • Intuitive subscription, only the necessary data is requested to make a evaluation of the subscription.
  • Automated risk assessment based on configurable business rules.
  • Approval of policy requests automatically or manually.


Insurance Core™ architecture combines a focused processes and services designed to scale (SOA) with application integration and service partners approach. The platform supports both modules can be implemented with Open Source tools as container owners, obtaining a high availability environment.

Presentation layer

100 % Web, supports multiple devices. It is not necessary to realize discharges to be able to use the system, it is enough to have only the direction URL.

Services layer

It is service-oriented (SOA), based on REST API. HTTP services can be consumed by a wide range of clients including web browsers, mobile, other systems or tablets.

Each process and resource data is exposed through an HTTP service enabling communication and integration between various current or future devices.

Process layer

The platform has an extended BPM (BPMN 2.0) with ability to solve RunTime time domain objects (insurance business). These objects can potentially be mapped to the data layer (relational database, partner service, etc).

This extension of the BPM generates an added value that gives simplicity and ease of reading process. Thus the processes have the ability to understand the business model with their corresponding objects in a natural way, avoiding technical actions within the process.

The process layer also has the ability to execute business rules thanks to embedded rules engine.

Business logic layer

It maintains business rules, constantly updating.

Base layer and data access

The data access layer provides a separation of code by its function. This approach provides flexibility to change the data persistence mechanism in the desired time.