Though recent market conditions have challenged the insurance industry, there continue to be opportunities for growth and innovation. At ESTA, we take an enterprise view to helping insurance entities uncover those opportunities and realize competitive advantage.

Specifically, ESTA that as companies study the changing landscape ahead, it's clear that cost reduction efforts and the need to maintain capital and surplus must become more finely focused. Regulatory change, the need for product innovation and better investment strategies all come to the forefront. That's why ESTA has developed an innovative metric driven approach to optimize enterprise processes.

We start by defining the key linkages that drive business outcomes. We then leverage our successful history of innovation in areas such as business process management and shared services to address the need for continued process improvement, helping companies meet the emerging needs of their rapidly changing environments wherever they operate.

LIFE, ANNUITY & RETIREMENT SOLUTIONS

ESTA's clients include several top-20 life/annuity companies, a top-three reinsurer, the retirement services and insurance divisions of major financial institutions, a top-three global broker and efforts with LOMA and LIMRA. ESTA provides enterprise solutions across a wide spectrum of products—Whole Life, Universal Life, Variable Life/Universal Life, Term and other Protection Products, Fixed and Variable Deferred/Immediate Annuities, and Retirement Services & Investment Management Support (e.g. 401K plans, Superannuation Products) - through a multi-country delivery model. Key solutions include:

Rapid Product Development

ESTA enables companies to achieve rapid and successful product launches by providing Actuarial Services, Market Assessment, Competitor Mapping and Pricing.

Transformational New Business Approaches

ESTA offers a unique approach that helps clients transform their new business operations for Application Imaging, Indexing and Data Entry, Requirements Gathering and Underwriting Support.

Differentiated Customer & Policy Servicing

As a pioneer in the business of managing insurance processes, ESTA helps companies achieve cost efficiencies and improve customer retention through its expertise in non-financial and financial transactions including In Force Policy Illustrations Coverage Changes and Fund Re-Allocations.

Enterprise Billing & Collections

ESTA provides companies the ability to improve cash flow and increase customer satisfaction through streamlining and integrating enterprise-wide Billing and Collection, Application and Reconciliation.

Efficient Distribution & Compensation Management

ESTA's forward thinking approach drives sales force effectiveness, producer satisfaction and cost efficiencies for all channels of distribution. Our solutions encompass on-boarding servicing and compensation management including Career, Independent Agents, Brokers and Insurance Marketing Organizations.

Enterprise Risk Management, Actuarial and Insurance Reporting

Helping manage risk for increased profitability to drive strong controllership and regulatory compliance are key ESTA strengths. ESTA's industry leading offerings provide a holistic approach to risk management and regulatory compliance. Our services include Statutory and GAAP reporting, State Premium Tax Calculation, Reserve Calculations, Portfolio Monitoring and Analysis and Data Management.

PROPERTY & CASUALTY SOLUTIONS

ESTA's clients include a top-three personal lines company, a top-three broker, a top-three reinsurer and several major commercial lines insurers. ESTA provides enterprise solutions for personal, commercial and reinsurance companies through a multi-country delivery model. For the brokerage community we have developed unique operational solutions addressing their specific needs. Key solutions include:

Shortened Product Development Cycle Time

ESTA enables companies to achieve rapid and successful product launches by providing Actuarial Services, Market Assessment, Competitor Mapping and quick response to changing market conditions and pricing models.

Excellence in Underwriting

ESTA enables companies to achieve competitive advantage through process excellence in New Business, Renewals, Underwriting Support, Pricing, Cat Modeling, as well as support and integration of outside services.

Complete Policy Administration and Customer/Agency Services

ESTA has years of experience in helping insurance companies identify and increase efficiencies in critical areas of Endorsements, Cancellations, Customer Service, Premium Audits, Premium Collection and Disbursement. This is all based on a deep understanding of the major administration systems' capabilities.

Enterprise Billing & Collections

ESTA provides companies the ability to improve cash flow and increase customer satisfaction through streamlining and integrating enterprise-wide Billing and Collection, Application and Reconciliation.

Leadership in Claims Administration

Through excellence in process management, ESTA streamlines operations and provides deep insights into areas like FNOL, Treaty Verification, Payments, Reserves, Case Closure and Recoveries in emerging areas such as fraud detection and supply chain management.

Metric Driven Recovery

Our rigorous discipline applied to the claims recovery process increases profitability in the areas of Fraud Prevention and Subrogation.

Comprehensive Reinsurance

ESTA's end-to-end view of operations is ideally suited for all aspects of reinsurance including Contract Set-Up, Certificate Verification, Bordereau Generation, Cash Application and Disbursements.

In addition to these industry-specific insurance offerings, ESTA offers a full suite of core enterprise solutions. To learn more about how ESTA can help your business grow, browse through the entire portfolio of the Solutions We Offer.

  • Billing & Collections

    Enterprise Risk Management

    Customer & Policy Servicing

    Distribution & Compensation

    New Business Underwriting

    Rapid Product Development

    Claims Management

    Life, Annuity & Retirement

    FastFacts Subscription

    Property & Casualty

    Solvency II offering

  • Forward-looking organizations closely examine their back-office structure to reduce costs, streamline operations & increase revenues. ESTA's solutions help clients reach their targets quickly and cost-effectively by implementing solutions tailored to meet their needs and help make their ambitious goals reality. ESTA's Enterprise Innovation solutions offer the expertise to deliver a back office that's as strong as the front office. We offer exceptional capabilities in:

  • Order & Contract Management

    Financial Planning & Analysis

    Revenue Cycle Management

    Benefits Administration

    Expense Control Management