1. ©Accenture 2010 All rights reserved. Deutsche Telekom Life insurance provider consolidates delivery model on journey to high performance Leading US Life Insurance Provider The client is one of the foremost providers of individual life insurance in the United States with more than 3 million policy- owners and clients. Business challenge This major US life insurance company faced a number of challenges in product sales and delivery. It had multiple applications that provided illustrations—projections of the cash value of a risk-based insurance product—information that is critical to the sales and policy servicing processes. The increasing cost of maintaining and enhancing multiple applications limited the company’s ability to add new functionality or products to its product lines. The insurer selected Accenture to help it meet these challenges based on Accenture’s track record and ability to deliver high-risk strategic initiatives in the insurance arena. Accenture also enjoys strategic relationships with Microsoft, on whose products the solution was to be based, and Avanade, who provided architecture skills and development resources. Accenture research into software platform consolidation in the life insurance industry indicates that consolidation, if properly leveraged, can provide insurers with real strategic advantages when they pursue new domestic and international markets, thus helping them achieve high performance. 1 How Accenture helped Accenture teamed with Microsoft and Avanade to consolidate the illustrations systems onto the Microsoft.NET platform. The project team leveraged the Avanade Connected Architectures for.NET (ACA.NET) to accelerate development of the platform and professionals in the Accenture Delivery Center in Bangalore, India, to provide cost-effective solution delivery. The new illustrations solution was delivered in two releases over a three-year period. The first release delivered the technical architecture and consolidated illustrations for the client’s life insurance business, while the second release consolidated the remaining products, including disability insurance and annuities, and new issue illustrations for all products. High performance delivered The insurer expects to save an estimated $20 million over the next seven years due to a reduction in application maintenance, regulatory changes and new product development costs. A consolidated illustrations platform also reduces the field sales process complexity and provides a more professional and consistent look and feel to illustrations for the company’s clients. Through effective use, the sales force has embraced the new consolidated illustration system and views the program as highly successful at improving the sales and policy servicing workflow. The consolidation of the insurer’s illustrations applications onto a.NET platform has positioned it for future growth and placed it on the road to high performance. 1 Accenture Life Insurance Platform Consolidation Global Research Report 2006-07.

2. ©Accenture 2010 All rights reserved. Leading US Life Insurance Provider Company overview One of the foremost providers of individual life insurance in the United States. More than 3 million policy- owners and clients. Choice of Accenture Successful track record and ability to deliver high-risk strategic initiatives in the client’s environment. Strategic relationships with Microsoft and Avanade. Global Delivery Network. Staffing and experience Team comprised of 20 Accenture, 8-10 Avanade and two Microsoft professionals. All user interface and calculations development work done in the Accenture Delivery Center in Bangalore, India. Engagement scope Consolidate multiple, product- silo systems into one sales solution on a Microsoft.NET platform. Reduce cost of system maintenance. Improve timeliness of new product delivery. Engagement timeframe October 2003 - March 2006 Delivery methods Accenture Delivery Methods Services provided Define overall business architecture. Define future state business processes. Define high level and detailed requirements for the solution. Define and complete technical architecture and design. Develop system test strategy. Execute systems test. Support user acceptance test. Support overall deployment. Technology components Microsoft.NET Avanade Connected Architecture for.NET (ACA.NET) [Microsoft Visual] C# PL/1 Key success factors Synergies from the alliance of Accenture, Avanade and Microsoft. Accenture’s expertise in delivering large-scale programs. Accenture’s Global Delivery Network. Business challenge The client had multiple, product-specific illustration systems for life products and secondary product lines. Both maintenance cost and cost of introducing new products were growing. The field force was demanding technology to produce illustrations in real-time during sales meetings, instead of returning to the office and producing hard-copy illustrations that had to be mailed to prospects. The client identified a need to crate a single illustration system, economical to maintain to support field representatives whether disconnected or connected. How Accenture helped Teamed with Avanade and Microsoft to give client the benefit of alliance synergies: Accenture was responsible for overall program management, business architecture, and testing resources; Avanade was responsible for the architecture and C# development; Microsoft assisted with the conference room pilot, and technical architecture design. Delivered program in three releases over a three-year period. The first release delivered the technical architecture and consolidated the Illustrations for Life, Disability Insurance and Annuities. Release 2 consolidated the remaining products and all new-issue Illustrations. Release 3 integrated the Illustrations platform with other front-end distribution systems. High performance delivered The insurer expects to save an estimated $20 million over the next seven years due to a reduction in application maintenance, regulatory changes and new product development costs. Client eliminated eight applications in favor of one. Field agents gained capability to do illustrations in real time. Efficiency of field agents improved because they could prepare illustrations faster, reusing information and case data from prior illustrations, easily share illustrations information across sales teams, etc. Brand consistency improved because the new system presented information uniformly across products.