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Designed for insurers, valued for life
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Inca is a modern and flexible policy administration system replacing multiple bespoke legacy systems for the European life insurance and pension industry

Future-proof

Replace your multiple bespoke legacy systems and get support for all industry-specific processes and functions, as well as open interfaces that allow you to migrate existing data, and create new and unique value propositions.

Digital

Say goodbye to dependency on system interfaces and batch-oriented systems when you need to create digital customer dialogues. Inca enables you to automate internal processes and digitalise interactions with partners, tied agents, brokers, administrative staff and customers.

Efficient

Without low costs, you will be ineligible to participate in procurements and unable to create competitive offers. Inca is a fully integrated system that can be implemented step by step into your operation to replace multiple bespoke legacy systems. This gives you enhanced efficiency and lower total cost of ownership.

Agile 

New procurements and regulatory requirements make it increasingly important to be able to meet time-to-market with the right offer at the right price. The product studio in Inca allows you to alter existing offerings and repeatedly create new proposals for the market.

Compliant

New rules and regulations aim to give the end customer higher power to understand the products and services offered by increasing the transparency of the products cost, fees and commissions. Compliance will be a massive challenge if you're trapped in complex IT architecture with multiple bespoke legacy systems. Inca gives you the simplicity and business control that you need.

Everything you need

To allow you to focus on your core activities and develop your business, Itello provides a comprehensive offer that creates customer value as you transition into the future


Services

We provide a whole solution with our Inca services – you can focus on your core business

Complementary products

Itello offers several complementary products to ensure you get the business support you need
for tomorrow's offer

Delivery services

We’re at your side from concept
to full-scale production

Business services

Simplify, optimise and get business support
in your use of Inca

Application services

Secure your configuration and make
your daily work easier.

Operating services

Minimise risk and focus on your core business by using our SaaS solution:
Itello Live

Connectivity

A high degree of automation imposes demands on integrations with all players in the pensions ecosystem. Our integration framework gives you trouble-free and cost-efficient integrations with the business partners you need. Inca Complementary Software Partners gives you additional options to get maintenance-free integrations with our partners’ products and services.

BI & Analytics

There is a ready-made Data Warehouse/Data Mart for Inca, with cubes and a tool for integration with external data warehouses, Inca Dynamic Data Extraction. Inca's Data Marts and cubes can be used directly with, e.g. Excel and Power BI.

Digitalisation

Open interfaces for integration with in-house solutions and ready-made portals for administration, employers and agents

Compliance

Our established cooperation model monitors investigate and develop support designed to meet new regulatory requirements.

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Services

We provide a whole solution with our Inca services –
you can focus on your core business

Delivery services

We’re at your side from concept
to full-scale production

Business services

Simplify, optimise and get business support
in your use of Inca.

Application services

Secure your configuration and make
your daily work easier.

Operating services

Minimise risk and focus on your core business by using our SaaS solution:
Itello Live

Slider

Complementary products

Itello offers several complementary products to ensure you get the
business support you need for tomorrow's offer

Connectivity

A high degree of automation imposes demands on integrations with all players in the pensions ecosystem. Our integration framework gives you trouble-free and cost-efficient integrations with the business partners you need. Inca Complementary Software Partners gives you additional options to get maintenance-free integrations with our partners’ products and services.

BI & Analytics

There is a ready-made Data Warehouse/Data Mart for Inca, with cubes and a tool for integration with external data warehouses, Inca Dynamic Data Extraction. Inca's Data Marts and cubes can be used directly with, e.g. Excel and Power BI.

Digitalisation

Open interfaces for integration with in-house solutions and ready-made portals for administration, employers and agents.

Compliance

Our established cooperation model monitors investigate and develop support designed to meet new regulatory requirements.

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How we can help you


Our customers represent the entire range of companies in the pensions and insurance industry.
They are all looking to streamline their administration and recognise the benefits of using an industry-standard system by replacing multiple bespoke legacy systems

Life insurance and pension companies

We help you to automate and digitalise your business so that you can deliver cost-effective defined benefit plans and create peace of mind for your customers.

Bancassurers

We help you to consolidate all life insurance, endowment policies and DC pension plans in one system and align your administration by replacing bespoke legacy systems with one modern system. Having a wide range of product offerings and a digitalised customer dialogue allow you to create attractive offers to all of the business units of the bank.

New entrants and
Greenfield operations

We provide you with the critical foundation for your pension and life insurance offers. Inca allows you to utilise window of opportunities and the benefits of first-mover advantage.

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Functional overview

Inca is under continuous development in close cooperation with our customers and industry players to meet new market demands. Inca offers business support for your critical business processes and offers

Application areas

Inca has effective support for processes with all the functions and products needed, as well as integrations for automation and the ability to digitalise customer dialogues. Inca’s application areas show the capability y required to support and streamline the different players in the life and pension industry.

Sales and Distribution

Inca has full support for the distribution of insurance products and pension schemes. Offers can be created, extended, calculated and signed via our portal solutions for brokers.

Marketing

Consulting and sales

Customer care

Business and administration support

The structure of Inca makes it possible to administer life insurance policies, defined benefit plans, group insurance and products for long-term savings. Inca manages and has full support for premium defined products distributed as traditional life insurance, unit-linked life insurance and insurance policies linked to external depo systems.

New product offers are created quickly and cost-effectively by reusing the business and enterprise rules of earlier products. This facilitates the effective administration of the latest offers. External partners' products can be pre-packaged into unique offers, with full transparency of fees and commissions. Inca has support for the market's existing commission and fee models.

Business development

IT administration and operation

Administration

All events and transactions relating to your customers, such as personal data, employment, events such as illness, accidents, inability to work, retirement and death, are managed in Inca. Inca retrieves information from and provides information to tax authorities, payment service providers and other players in the pension ecosystem. Inca has support for the administration of different offers and product versions, as well as full support for customer communication, regardless of whether this occurs digitally via portals, digital mailboxes, and electronic formats or via the postal service.

Customers

Contracts

Incoming and outgoing payments

Commissions

Fund and traditional management

Risk assessment

Claim settlement

Maturity claim & Life insurance

Insurance matters

Reinsurance

Fees and taxes

Relocation management

Control, governance and reporting

Multiple legal entities can be administered in Inca, which makes it possible to manage group structures' of insurance policies. This also makes it possible to separate occupational pension activities that are regulated by IORP 2, and life insurance and savings transactions that are regulated by Solvency II.

Inca has support for reporting of financial and operative risks, as well as regulatory reporting. In recent years, Itello has been working closely with our customers to develop and refine applications of rules, such as Solvency II, FATCA, GDPR, IDD, MiFID, PRIIPs. Functions for complying with regulations, such as IORP II, IFRS, are released continually.

Having all insurances in one single system makes governance and control easier. There are no ambiguities about similar concepts and data from different systems. Inca can automate reconciliation between the general ledger and different cash accounts – this speeds up your monthly reports, and your staff can focus on analysing rather than verifying data.
Inca manages follow-up, reconciliation of external accounts with general ledger, reconciliation of fund orders, cash settlement reconsolidation of fund orders, paid-in premiums and outgoing payments.

Business activity monitoring

Finance and accounting

Internal control

Risk management

Regulatory Reporting

Enterprise features

The complexity of the insurance industry is unique and make high demands on the suppliers you select. Itello has the business and development skills necessary to streamline the industry-specific administration that is needed to help the pension industry players transform their business and prepare for the future.

Several managing companies

Complete process support

Inca productstudio

Future-proof

Retroactivity

Multiple languages and currencies

Country adaptations

Security

BI & Analytics

Having all insurance policies in one single system eliminates the need for a specific Data Management system. Inca has a uniform nomenclature for all products and processes, which means that the data used for analyses are consistent.
By administering all insurance policies in Inca, you also facilitate consistent reporting. Use Inca Data Mart, the data visualisation tools and instrument panels you think are best for your users.

Inca Data Mart

Cubes

Excel

Visualization Tools

Reports

Inca Dynamic Data Extractor

Products

The structure of Inca makes it possible to administer life insurance policies, pension schemes, group insurance and products for long-term savings. Inca manages and has full support for premium defined products distributed as traditional life insurance, unit-linked life insurance and insurance policies linked to external depo systems.

New product offers are created quickly and cost-effectively by reusing the business and enterprise rules of earlier products. This facilitates the effective administration of the latest offers. External partners' products can be pre-packaged into unique offers, with full transparency of fees and commissions. Inca has support for the market's existing commission and fee models.

Individual insurance products

• Capital redemption insurance
• Private pension insurance
• Direct pension
• Life insurance
• Income protection
• Medical treatment insurance
• Accident insurance
• Critical illness insurance

Collective insurance products

• Occupational pension plans
• Negotiated pensions
• Salary / bonus waiver
• Group life, illness and accident insurance (optional)

Pure savings products

• ISK, Swedish investment account
• IPS, Swedish pension savings account

Digitalisation

Inca is designed to be integrated into your business, with different players in the life insurance and pension industry, and to allow you to create your unique customer dialogues. The open interfaces jointly develop opportunities for automation and digitalisation of the industry's specific needs. Itello is driving standard development in the industry forwards by creating standardised interfaces. Most recently in collaboration with minPension – a Swedish independent pension information provider and our customers for creating better pension forecasts. Inca Connectivity Framework consists of four different parts that have different purposes and functions. The one aspect they all have in common is the fact that Itello maintains and develops the different parts.

Inca Web Services

Inca Integration Hub

Inca Integration Framework

Inca Portal Application Framework

Digitalisering
Application areas
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Application areas

Inca has effective support for processes with all the functions and products needed, as well as integrations for automation and the ability to digitalise customer dialogues. Inca’s application areas show the capability y required to support and streamline the different players in the life and pension industry.

Sales and Distribution

Inca has full support for the distribution of insurance products and pension schemes. Offers can be created, extended, calculated and signed via our portal solutions for brokers.

Marketing

Consulting and sales

Customer care

Business and administration support

The structure of Inca makes it possible to administer life insurance policies, defined benefit plans, group insurance and products for long-term savings. Inca manages and has full support for premium defined products distributed as traditional life insurance, unit-linked life insurance and insurance policies linked to external depo systems.

New product offers are created quickly and cost-effectively by reusing the business and enterprise rules of earlier products. This facilitates the effective administration of the latest offers. External partners' products can be pre-packaged into unique offers, with full transparency of fees and commissions. Inca has support for the market's existing commission and fee models.

Business development

IT administration and operation

Administration

All events and transactions relating to your customers, such as personal data, employment, events such as illness, accidents, inability to work, retirement and death, are managed in Inca. Inca retrieves information from and provides information to tax authorities, payment service providers and other players in the pension ecosystem. Inca has support for the administration of different offers and product versions, as well as full support for customer communication, regardless of whether this occurs digitally via portals, digital mailboxes, and electronic formats or via the postal service.

Customers

Contracts

Incoming and outgoing payments

Commissions

Fund and traditional management

Risk assessment

Claim settlement

Maturity claim & Life insurance

Insurance matters

Reinsurance

Fees and taxes

Relocation management

Control, governance and reporting

Multiple legal entities can be administered in Inca, which makes it possible to manage group structures' of insurance policies. This also makes it possible to separate occupational pension activities that are regulated by IORP 2, and life insurance and savings transactions that are regulated by Solvency II.

Inca has support for reporting of financial and operative risks, as well as regulatory reporting. In recent years, Itello has been working closely with our customers to develop and refine applications of rules, such as Solvency II, FATCA, GDPR, IDD, MiFID, PRIIPs. Functions for complying with regulations, such as IORP II, IFRS, are released continually.

Having all insurances in one single system makes governance and control easier. There are no ambiguities about similar concepts and data from different systems. Inca can automate reconciliation between the general ledger and different cash accounts – this speeds up your monthly reports, and your staff can focus on analysing rather than verifying data.
Inca manages follow-up, reconciliation of external accounts with general ledger, reconciliation of fund orders, cash settlement reconsolidation of fund orders, paid-in premiums and outgoing payments.

Business activity monitoring

Finance and accounting

Internal control

Risk management

Regulatory Reporting

Enterprise features

The complexity of the insurance industry is unique and make high demands on the suppliers you select. Itello has the business and development skills necessary to streamline the industry-specific administration that is needed to help the pension industry players transform their business and prepare for the future.

Several managing companies

Complete process support

Inca productstudio

Future-proof

Retroactivity

Multiple languages and currencies

Country adaptations

Security

BI & Analytics

Having all insurance policies in one single system eliminates the need for a specific Data Management system. Inca has a uniform nomenclature for all products and processes, which means that the data used for analyses are consistent.
By administering all insurance policies in Inca, you also facilitate consistent reporting. Use Inca Data Mart, the data visualisation tools and instrument panels you think are best for your users.

Inca Data Mart

Cubes

Excel

Visualization Tools

Dynamic Data Extration

Reports

Products
Individual insurance products
Collective insurance products

The structure of Inca makes it possible to administer life insurance policies, pension schemes, group insurance and products for long-term savings. Inca manages and has full support for premium defined products distributed as traditional life insurance, unit-linked life insurance and insurance policies linked to external depo systems.

New product offers are created quickly and cost-effectively by reusing the business and enterprise rules of earlier products. This facilitates the effective administration of the latest offers. External partners' products can be pre-packaged into unique offers, with full transparency of fees and commissions. Inca has support for the market's existing commission and fee models.

• Capital redemption insurance
• Private pension insurance
• Direct pension
• Life insurance
• Income protection
• Medical treatment insurance
• Accident insurance
• Critical illness insurance

• Occupational pension plans
• Negotiated pensions
• Salary / bonus waiver
• Group life, illness and accident insurance (optional)

Pure savings products

• ISK, Swedish investment account
• IPS, Swedish pension savings account

Digitalisation

Inca is designed to be integrated into your business, with different players in the life insurance and pension industry, and to allow you to create your unique customer dialogues. The open interfaces jointly develop opportunities for automation and digitalisation of the industry's specific needs. Itello is driving standard development in the industry forwards by creating standardised interfaces. Most recently in collaboration with minPension – a Swedish independent pension information provider and our customers for creating better pension forecasts. Inca Connectivity Framework consists of four different parts that have different purposes and functions. The one aspect they all have in common is the fact that Itello maintains and develops the different parts.

Inca Web Services

Inca Integration Hub

Inca Integration Framework

Inca Portal Application Framework

Digitalisation
Application areas
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Get in touch!

Contact us
+46 8 4109 4000

Itello AB
Regeringsgatan 28 
SE 111 53 Stockholm