A4 Flyer TitleThe AccentureBusiness IntelligenceSolution for Insurance Real-time enterprise metricsmanagement, reporting andwhat-if analysis to supportfaster and better decisionmaking in insurance

Every day, senior executives in the insurance industry mustmake complex, business-critical decisions that take intoaccount a wide array of performance metrics and marketintelligence. Facing rigorous regulation and complexinformation-rich value chains, insurance companies havean absolute need for detailed, granular knowledge of whatis happening in their operations, together with an ability toanalyze this information in real time to investigate specificevents, emerging trends and future what-if scenarios.

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The Accenture BusinessIntelligence (BI) Solution for Insurance To help insurers meet these pressuresand move toward high performance,Accenture Information ManagementServices has developed the AccentureBusiness Intelligence (BI) Solution forInsurance—an integrated suite ofapplications that meets insurers’ needfor business intelligence all the wayfrom raw data metrics to detailedwhat-if analytics. The solutionintegrates fully with industry-standardsystems—it is built on the BusinessObjects platform, and will be madeavailable for other platforms such asSAS, Cognos and Microsoft.

The Accenture BI Solution for Insurance consists of three parts:

• Enterprise Metrics Management(EMM). A unique offeringencompassing the strategy, processand technology components neededto ensure quick access to appropriateand consistent performance metrics

via tailored, rules-based executivedashboards. Comprised of 200 datametrics coupled with a dataconnector and a virtuallypreconfigured portal, EMM can beimplemented swiftly and efficiently inany insurer. By leveraging Accenture’spre-configured tool, insuranceindustry knowledge and experience indetermining the right metrics toinclude, insurance companies canavoid ”reinventing the wheel” andsave millions on their technologyinvestment.

• Reporting. Comprehensive reportingcapabilities based on Webintelligence reports that drill down to the enterprise metrics and providedetailed and flexible real-timeintelligence on the company’sperformance against any chosenindicators. The reporting is structuredin a logical and hierarchical way,enabling executives to conduct rootcause investigations to the mostgranular level at the click of a button.

• What-if analytics and scenarioplanning. Sophisticated modelingcapabilities, enabling performancedata drawn from the EMM andreporting modules to be tested andtrailed against changes in any chosencombination of variables. This enablesexecutives to model in advance the impact and interdependenciesthat would arise from any givenmanagement action. Insurers usingthe Accenture BI Solution forInsurance find that this capabilityrapidly establishes itself as aninvaluable and indispensable tool for decision support across all areasof the business.

How it worksThe Accenture BI Solution for Insuranceoperates through an accessible, user-friendly graphical interface, with clearand consistent use of dashboards,charts and colors. All three of the coreelements—EMM, reporting andanalytics—are integrated in a singlesolution, with seamless and interlinkeduse of the same performance dataacross each application.

In many cases, the difficulty of achieving world-class businessintelligence (BI) in insurance is compounded by insurers’ legacyinformation assets. At the same time, ongoing change inconsumers, competition and capabilities means insurancebusinesses face growing pressure to break down their traditional,rigid information silos. According to Accenture research oninformation management in Europe and North America, 75percent of CIOs plan to have a full enterprise-wide informationmanagement strategy in place within three years while nearly60 percent see BI as core to competitive differentiation.

The EMM applicationA typical screenshot from the EMMapplication is shown in Figure 1. The key performance metrics aredisplayed on the rules-baseddashboard in easy-to-read dials. Thesecan cover any time period chosen bythe user, with the ability to drill downto lower levels of granularity andaccess trend information on-screen.For example, clicking on the loss ratiodial enables the user to drill down tothe product class level, showing theloss ratio on specific classes such as auto, commercial multi-peril orbusiness owners’ coverage, dependingon the insurer’s precise business mix.

The reporting applicationThe EMM system feeds directly intothe reporting application. Typicalreports that users require include lossratio summary and detailed loss ratioreports, each of which provide atabular view of the performance data,and which can be configured flexiblyby choosing specific values forelements such as coverage, product,time period and customer state. Figure2 shows another widely used report, a loss-development triangle analyzingthe year in which premiums wereearned and the subsequent loss profileover time.

The analytics applicationFigure 3 shows a typical screenshotfrom the analytics application. By moving the various levers on thedashboard, the user can investigate theimpact of a proposed change in oneelement on the other inter-relatedcomponents. This provides an excellenttool for what-if analyses, conductedinteractively and in real-time. Forexample, when reviewing businessowners’ policies, what would be theimpact of a change in base rates orterritory modifiers on exposure? Theuser needs only to move the relevantlevers to find out.

The benefits in actionBy combining Enterprise MetricsManagement, reporting and what-ifanalytics, insurance companies have acost-effective and easy-to-implementsolution encompassing all the elementsneeded to support better decisionmaking and achieve high performance.

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ContactsThe best way to appreciate the power of the Accenture BI Solution for Insurance is to see it in action. To arrange a live demonstration and a discussion about the benefits it coulddeliver to your business, please contact:

Omer SohailSenior Director, Accenture InformationManagement Services - FinancialServices Market Developmentomer.sohail@accenture.com

Doug WinterPartner, Accenture Insurance Industrydoug.winter@accenture.com

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About AccentureInformation Management ServicesAccenture Information ManagementServices is a global cross-industryorganization focused on bringingclients solutions to better manage their business, interact with customersand make strategic, financial andoperational decisions. Working acrossAccenture’s service lines and industrygroups, this network of 13,000professionals* specializes in informationmanagement services includingbusiness intelligence, portals andcontent management and datamanagement and architecture. For more information about AccentureInformation Management Services, visit www.accenture.com/informationmanagement.

*as of August 1, 2007.

About AccentureAccenture is a global managementconsulting, technology services and outsourcing company. Combiningunparalleled experience, comprehensivecapabilities across all industries andbusiness functions, and extensiveresearch on the world’s most successfulcompanies, Accenture collaborates with clients to help them become high-performance businesses andgovernments. With more than 175,000people in 49 countries, the companygenerated net revenues of US$19.70billion for the fiscal year ended Aug. 31, 2007. Its home page is www.accenture.com.