Decoration
Technology

Policy Administration System: Revolutionising insurance admin

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We’re disrupting the insurance sector with a more customised alternative to commercial off-the-shelf (COTS) products

Our Policy Administration System (PAS) lets you choose only the components you need, for fast, seamless integration. Replace and digitise your traditional legacy systems with a cloud-native, low-complexity PAS that’s fully integrated and easy to use.

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    Designed for you

    Select only the features your business needs the most for a customised solution that is implemented faster.

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    Lower costs, improved efficiency

    Our low-code, cloud-based PAS reduces operational costs by unlocking flexibility to respond to market requirements.

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    Easier reporting and reporting

    Caters for Super Stream integration, APRA and ATO Regulatory reporting and IFRS 17 standards.

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    Robust security

    Built with OutSystems using robust, enterprise-grade security standards.

What makes the DB Results PAS different?

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    Enhanced customisation

    Many exsiting systems lock you into features that you either already have or don’t require. A DB Results PAS saves you time and money with a customised solution that only contains the features you need. This leads to faster build times so you can meet deadlines while gaining a solution that’s specifically tailored to your business needs.

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    High speed, low price with OutSystems

    Our insurance solutions are powered by OutSystems – so you can get to market faster with minimal disruption to your operations. Low-code also equals lower maintenance costs, as OutSystems handles security, maintenance and upgrades without the need for a software development team.

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    Supported by the DB Results Insurance Team

    Our Insurance Transformation Team feature former senior leaders from leading insurance organisations who understand the intricacies of insurance operations. We’re experts in integrating PAS solutions during complex overarching business transitions like mergers, acquisitions and separations.

How our PAS streamlines your insurance business

Our PAS is designed to manage all your insurance administration
in one integrated platform. Key features include:

01

Choice of components

Purchase the entire PAS ecosystem or select only the components that your business needs and let our delivery team customise them to your requirements.

02

Policy management

Experience seamless coverage of everything from Term Risk to Super and Investments, Pensions and Annuities. Enjoy the peace of mind that comes with a complete solution.

03

Product agility

The DB Results PAS is a tiered, scalable, subscription-based model. It offers substantial savings as it reduces operational costs, flexibly responding to any new market requirements.

04

Configurable workflows

SelfServe® creates a personalised self-service journey for your customers. This customised approach allows customers to operate on their own terms, increasing satisfaction and loyalty, which ultimately increases revenue.

05

Underwriting workflow

Experience the best of both worlds with our STP and non-STP underwriting workflow process. Enjoy the flexibility of configurable SLAs and escalations that ensure efficiency.

06

Regulatory reporting

Unlock the capability to meet PAYG and PSAR, MAAS/MATS and APRA requirements. Embrace compliance with ease and confidence as you navigate regulatory obligations.

07

Monies in and out

Our integrations support contributions, premium payments, claim payments, withdrawals and regular income payments. Process transactions effortlessly through payment gateways and SuperStream.

08

New business and alterations

Experience a seamless and intuitive quote and application process for new business and alterations.

09

Customer and adviser portals

Empower all users with the convenience of having both customer and adviser portals seamlessly integrated within a single PAS solution.

10

Adviser registry and commission payments

Experience the security of an efficient, centralised registry for licensees and advisers. Also access commission calculations and clawbacks with ease, using a configured set of rules in the Adviser Commission Calculation Rules engine.

11

Rating engine

Enjoy a frictionless experience when creating product ratings and calculating premiums and stamp duties.

12

Supports your response to Quality of Advice reforms

The DB Results PAS has been approved by Australian regulators and has the flexibility to quickly adapt to changes in government reforms.

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See how DB Results created a PAS
solution for a leading insurance firm

We took 40 years of data migrated from seven legacy PASes and over 150 dependent applications to a singular target PAS, successfully landing the technology solution and ensuring the newly independent life insurance business was operational.

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