With continuing soft markets, increased competition, a tough economy, and demanding producers and customers, it is critical to optimize channel strategies and fuel innovation in new product development. However, insurers are often faced with a complex legacy core system environment that is brittle, lacks agility and is extremely expensive to maintain. Microsoft supports insurance carriers with a high-performance, mission-critical platform that can power core systems such as policy administration, billing and claims. These resulting core systems help improve IT cost ratios while providing the flexible, configurable foundation needed for business transformation. The results include faster new product development, improved channels, and the ability to respond more quickly to business’ demands on IT.