Business Intelligence Solutions for Insurance

Business Intelligence Solutions for Insurance MOBILE INTELLIGENCE

Leader in Business Intelligence for Over 20 Years Business Intelligence (BI) The process of transforming raw data into meaningful information to enable more effective business insight and decision-making MicroStrategy, Incorporated (NASDAQ: MSTR) Founded in 1989 Leading independent business intelligence software vendor Over 1 million business users at over 3,000 organizations Direct operations in 42 cities in 23 countries around the world Over 70 patents pending or issued 2

Leader in Business Intelligence for Insurance 7 of the 10 Top Global Insurance Companies use MicroStrategy MicroStrategy Supports Hundreds of Insurance Companies Worldwide Amlin Plc Assicurazioni Generali SpA en Belgique AXA Barmer Ersatzkasse Caixa Seguradora S.A. Carl Warren & Co. GEICO Generali Group Genworth Financial Mortgage Insurance Company Canada Grange Insurance Guy Carpenter & Company, LLC Helvetia Versicherungen AG Indiana Seguros S.A. Knappschaft La Capitale Assurances Generales Nationwide Mutual Insurance Company NÜRNBERGER Lebensversicherung AG Ocaso, S.A. Pacific Life Insurance Company RACC Automóvil Club Samsung Life Insurance Sanitas Grundversicherungen AG Sara Assicurazioni Seguros Generales Suramericana S.A. Zürich Service GmbH Wawanesa Insurance 3

Insurance Customer Success Stories Helping Insurance Companies View and Understand Complex Risks The Generali Group is one of the top five players in the global insurance & financial markets. Within the Generali group, the Generali Employee Benefits (GEB) strategic unit is solely dedicated to providing solutions in the field of Employee Benefits for multinational corporations. Built in less than two weeks, GEB s dashboard provides an immediate business benefit because it helps identify trends and critical issues, improving profitability. With MicroStrategy s dashboard, GEB s customers can analyze up to five years of historical data in easy-to-consume graphical displays, and access a comprehensive and consolidated view of account details. Financial Reporting and Monitoring Policy and Claims Metrics to Improve Performance Wawanesa is a Canadian mutual company owned by its policyholders. It is one of the largest property and casualty insurers in Canada. Wawanesa plans to use MicroStrategy for corporate financial reporting, as well as monitoring business metrics related to insurance policies and claims. With MicroStrategy, Wawanesa employees can gain valuable insights into product distribution and claims processed by geographic area to better understand business performance. Nationwide Analyzing and Managing Policies, Claims, Risk, and Agent Productivity Across the Enterprise Enhancing Insight on Customer Behavioral Patterns to Drive Sales Nationwide, based in Columbus, Ohio, is one of the largest diversified insurance and financial services organizations in the world, with more than $158 billion in assets. Nationwide has deployed MicroStrategy across its enterprise, and has 27 MicroStrategy applications in production, primarily focused on four business areas: personal lines policy analysis, claims management, risk management appraisal, and agent productivity. GEICO is the fourth-largest private passenger auto insurer in the United States. It provides auto insurance coverage for more than 8 million policyholders and insures more than 13 million vehicles. GEICO uses MicroStrategy to analyze over 20 terabytes of customer and sales data to monitor and improve GEICO s corporate performance and enhance insight into customer behavioral patterns. With MicroStrategy s dashboards and one-click analysis, GEICO personnel can seamlessly gain greater insight into sales activity to enhance customer relationships and generate sales growth. 4

Insurance Customer Success Stories Helping Insurance Companies View and Understand Complex Risks Guy Carpenter & Company, LLC is the world s leading risk and reinsurance specialist and member of the Marsh & McLennan Companies. Guy Carpenter uses MicroStrategy s business intelligence software, along with mapping technology, to provide its insurance company clients with a highly visual and intuitive display of natural or man-made event data. The i-axs platform offers a suite of easy-to-use Web-enabled tools that help insurers view and better understand complex risk exposure information. Improving Product Design, Customer Management, and Cross-and Up-Sell Opportunities Grange Mutual Casualty Group, based in Columbus, OH, is a $1 billion insurance provider. Hundreds of Grange Insurance associates, including territory managers, portfolio managers, and customer management personnel, use MicroStrategy to analyze four terabytes of data to identify areas of improvement in product design, customer management, and to recognize cross-and up-sell opportunities. Grange Insurance users also rely on MicroStrategy to assist them in increasing the profitability of each product, region, and agent. Optimizing Business Processes and Aligning IT to Strategic Objectives Helps Drive Corporate Performance Amlin is a leading underwriter of specialist insurance and reinsurance and operates in both the Lloyd s of London and Bermuda markets. Amlin s vision was to transform its business by developing a system to provide Corporate Performance Management (CPM), optimize business processes, and directly align IT strategy to corporate strategy. Amlin can now analyze broker and underwriter performance not only on price, but also on the critical issues of contract wordings and claims performance. MicroStrategy BI has facilitated cultural and organizational change for Amlin as part of a wider business transformation process. Improving Customer Relationships Using Business Intelligence Mongeral AEGON is the result of association between two major insurers: the Mongeral - Brazil s oldest insurer, founded in 1835, and AEGON - one of the largest insurance groups in the world, operating in more than 20 countries. In 2008, Mongeral AEGON chose MicroStrategy to strengthen its customer relationship management function. To extend customer loyalty, Mongeral had to deepen its knowledge about customer buying habits and expectations and offer suitable products. 5

Solutions for Insurance Profitability Optimization Optimize Profitability Across Customer Demographics, Product Lines, and Distribution Channels ipad 1:55 PM 100% Insurance companies struggle to understand and act on factors driving operational profitability. Access to accurate and flexible profitability metrics provides benefits well beyond the office of the CFO. For example, marketing personnel can consider accurate revenue and cost mix across various customer demographic sets before finalizing campaigns or budgets; and distribution and product professionals can derive superior insight while considering product, channel, and demographic strategies. MicroStrategy s Profitability Optimization solutions for Insurance deliver best-in-class accuracy and flexibility, enabling users at all levels to monitor and visualize key profitability metrics. Performance by channel, product, geography, or customer demographics are examples of interactive possibilities. In addition to summarized data, authorized users can drill into detailed revenue / cost structures to generate new insights. Mobile dashboards allow users to stay in touch with key profitability metrics while on-the-go. Finance and business users can easily collaborate and share a secure view of operational profitability information, simplifying complex what-if analyses. ipad 1:55 PM 100% 6

Solutions for Insurance Distribution Analytics Analyze Distribution Channel Performance ipad 1:55 PM 100% Evolving consumer preferences are pressing insurers to continuously monitor channel mix and performance. As newer channels such as social media provide increased access to the consumer, analyzing channel performance is becoming a critical imperative. Distribution and marketing executives need comprehensive channel performance information to take proactive actions to improve the effectiveness and consistency of all customer touch points. MicroStrategy s Distribution Analytics solution for Insurance can help executives compare and analyze key metrics for channel performance such as Policies in Force, New Policies & Cancellations across Product Lines, and Performance by Customer Demographics in visually insightful graphical interfaces, including geospatial output. High touch mobile dashboards allow distribution executives and regional line managers to be alerted on channel performance through intuitive exception reporting at an enterprise or granular level. ipad 1:55 PM 100% 7

Solutions for Insurance Claims Management Analyzing and Managing the Claims Process Claims management is a critical process in the Insurance life cycle. Quick and efficient claims processing increases customer satisfaction, optimizes settlements, and minimizes expenses. Analyzing and proactively managing the end-to-end process across regions, loss types, product lines, and business units helps Insurance companies better understand their most critical components in operational effectiveness and customer retention. MicroStrategy s Claims Management solution for Insurance can help executives visualize and drill into key metrics on claims performance such as Cycle Time, Average Settlement Amount, and Claims Expense at an enterprise or transaction level. Complex information can be presented in graphical interfaces that encourage user interaction and discovery of insights. 8

Solutions for Insurance Vendor Management Managing Vendors On-the-Go Evaluating the effectiveness of vendors and partners providing claims service is a critical part of the claims management process. Mobile access to vendor and partner performance information helps claims managers focus on problem areas that require attention while in the field. MicroStrategy s Vendor Management solution for Insurance provides critical information on vendor performance in a flexible, mobile interface. Mobile users can drill into key metrics such as Claims Volume, Repair Cycle Times, and Average Expense across Vehicle and Claim Type, Region, or Business Unit. This application is optimized for smartphones for use in the field, but provides a powerful, consistent interface to data resident across disparate source systems (accounting, vendor, and claims) within the enterprise. 9

The MicroStrategy Difference The MicroStrategy Platform is Uniquely Suited to Meet the Complex and Varied Needs of the Insurance Industry Executive Dashboards Sales & Distribution Marketing Underwriting / Product Mgmt. Claims Shared Services (Finance & HR) Portfolio Management P&C Conversion Performance Campaign Effectiveness Pricing Optimization Recoveries & Subrogation Solvency II / Regulatory Compliance Product Profitability Optimization Personal Life & Annuity Predicted Lifetime Value Channel Performance Agent & Broker Performance Next Best Action Demographics Analytics Renewal Propensity Underwriting Analytics Process Optimization Cycle Time Analysis Statutory & Management Reporting Portfolio Exposure & Loss Analytics Wealth Management Commercial Brokerage Education & Licensing Distribution Management Producer Performance Social Media Intelligence Customer Profitability / Lifetime Value Cross Sell / Up Sell Product Performance Analytics Underwriting Performance Mass Claims Speciality Unit / Vendor Management Corporate Performance Management Reinsurance Analysis Enterprise Risk Management Portfolio Analysis Catastrophic Risk Exposure Reinsurance 10

Why Do Tier One Insurance Providers Turn to MicroStrategy? Only MicroStrategy Meets the Unique Regulatory, Multi-Channel, Operational Efficiency, and Data Volume Requirements of the Insurance Industry Turn large amounts of complex data into a single version of the truth... Oracle Essbase Multi-Dimensional Databases Microsoft Analysis Services on the fastest, most robust BI platform... Non-stop Operations when and where you need it. to complete any type of analysis... Web Alerts & Monitoring Dashboards Mobile In-memory Performance Channel Overview Welcome Joyce L. Fowler Summary as of April 1, 2010 DataMarts Next Payment Due: Due Date: Relational Databases Data Warehouses Consolidated Balance: $ 6,798.11 $ 1,699.53 April 15, 2010 100% 1:55 PM ipad Card Home 450,000,000 Traditional Full Price Stores Series: Repeat Visits Category: 20092 Value: 348,604,353 400,000,000 350,000,000 Pay Bill Series: Web Category: Revenue Value: 186,810M See card details 1 card close to limit 300,000,000 Total Visits 250,000,000 Under-driven Purchases 200,000,000 Offer-driven Purchases Top Buyers 150,000,000 Request Visits 100,000,000 Web Large Charges Off-Price Stores 7 charges in this period 50,000,000 0 Catalog Spend by expense category Rewards Information 100,000,000,000 Location Income Current Conversion % <15k 3.92% 15k-25k 3.92% 25k-50k 3.93% 50k+ 3.79% <15k 3.00% 15k-25k 3.09% 25k-50k 3.00% 50k+ 2.99% Other Conversion % Other Trend Reporting Rural 80,000,000,000 54.34% 54.32% City Special offers just for you 50+ 60,000,000,000 54.25% 35-50 47.79% 39.69% 25-35 40,000,000,000 39.67% 16-25 39.67% 36.45% Trend and per-channel Ranking Current, Last, Last Year s Quarter 20,000,000,000 0 <15k 15k-25k 25k-50k 50k+ Desktop Highest Scalability Analysis January 6, 2006 Page 1 of 2 Spreadsheets, Text Files Operational Databases Salesforce.com Printers Complete Security Predictive Analytics 6/15/2009 All Data Sources Industrial Strength All Styles of BI All Interfaces Accessing All Enterprise Data High Performance Delivered Even at the Highest Scale Evolving Requirements Fully Supported Out-of-the-Box Information Delivered Where and When Users Need It 11

ipad 1:55 PM 100% The Platform for Insurance Business Intelligence MicroStrategy Mobile Business Intelligence FASTER TO DEVELOP Quickly design apps that offer a superior user experience, knowing that infrastructure code such as networking, security, data management, and sensor integration is already built-in. NO CODE REQUIRED Customize the look, feel, and behavior of your app using an array of finely-designed, iphone-optimized displays and controls. MicroStrategy s intuitive point-and-click interface makes configuration easy. EASIER TO MAINTAIN Accelerate deployment of new apps and stream app updates with the MicroStrategy Mobile application platform, so users always have easy access to the latest, most up-to-date information. MicroStrategy s Extensive Platform Experience Conveys Directly to Mobile BI The MicroStrategy platform is built on one unified, organicallydeveloped architecture. This platform provides a number of critical capabilities to ensure that it is truly enterprise-class: Desktop / Laptop Mobile Rapid Development and Deployment using WYSIWYG pointand-click design in the MicroStrategy integrated development environment. High Scale and High Performance across user scale, data scale, email and application scale on the fastest, highest performing business intelligence server. x x x x Economies of Scale as the system grows with the minimum number of IT personnel and the fewest servers. Windows Office Portals Browser iphone ipad BlackBerry Write once, run anywhere Flexibility from a single service- orientated architecture to satisfy multiple devices and clients without additional integration or device-specific translation. Full Spectrum of Developer Tools Web Professional MicroStrategy Web MicroStrategy Mobile Full Spectrum of Admin Tools Enterprise Manager Openness and Extensibility via MicroStrategy s SDK and extensive library of APIs. Desktop Designer Architect MicroStrategy Transaction Services MicroStrategy Intelligence Server Command Manager Object Manager Secure Data Access Model designed to provide robust data protection using a full range of technologies and security models. Comprehensive Administrative Control consistent with mission-critical system operation. SDK Databases Cube Databases Transactional Applications Website Content Integrity Manager Unmatched Analytical Power against entire data warehouses using data mining, predictive, statistical, financial, and mathematical analyses. 12

Mobile Intelligence for the iphone, ipad, and BlackBerry ipad 1:55 PM 100% Native App Experience Purpose-built, workflow-driven apps that quickly and easily guide users through their data to discovery, analysis, or decision. Apps fully leverage mobile device capabilities, including the multi-touch interface, sensors (GPS or camera), communications (voice, email, text), and more. Enterprise Grade Designed to deliver the higher levels of performance and scalability demanded by mobile apps. MicroStrategy delivers in-memory, multi-level caching, ROLAP analytics, robust security, easy extensibility, and comprehensive administration features designed for enterprise deployments. Fast to Develop Fast, code-free app development via MicroStrategy s metadata-driven, point-andclick paradigm. Build rich, interactive BI apps in just days. Speed deployment by building once and deploying across platform to iphone, ipad, BlackBerry, browsers, Microsoft Office, or portals. 13

Visualize Patterns and Trends in Your Data An Extensive Library of Graphs Time Series Visualizations 14 Bubble Chart BoxPlot Bar and Line Chart Area and Line Chart 3D Bar Graph Histogram Gantt Chart Line Chart Radar Chart Waterfall Chart

Capabilities Finally Made Possible with Mobile Technology Camera Upload picture of damaged asset to expedite claims processing decisions Visual Information ipad 1:55 PM 100% Employees update the claim files with text and visual data at the point of inspection Visual information gives context to claims 15

Act on Information MicroStrategy Transaction Services From Insight to Action Monitoring your organization s performance in the palm of your hand is a powerful business capability. Interacting with that information to approve referrals, submit applications, change risk data, and capture information at the moment of insight takes that power to a new level. ipad 1:55 PM 100% MicroStrategy Transaction Services lets people act on business information from a mobile device such as the ipad and iphone, as well as from a dashboard on any web browser. For example, quick and efficient claims processing increases customer satisfaction, optimizes settlements, and minimizes expenses. While it is useful to manage claims using metrics such as cycle time, being able to take action is game changing. With a transactional mobile app in hand, an adjuster in the field can quickly update existing claim files at the time of inspection, as well as input new claims. 16

Empower Your Staff to Take Action on the Move Move Forward. Request Management in Real Time. ipad 1:55 PM 100% Review all business items requiring your action Approve requests based on information presented Deny requests at the tap of a button Reassess ongoing requests by asking the requestor for more information 17

Partners in Insurance Solutions Strong Partnerships with Over 200 World-Class Providers 18

What MicroStrategy Customers are Saying: The Buzz Actionable Information to Make Proactive Decisions Business intelligence is a strategic priority that will provide actionable information to help us enhance operations and make more proactive business decisions. Following a thorough evaluation of leading BI providers, we selected MicroStrategy because of its integrated BI platform, ease-of-use, and low total cost of ownership. - Wawanesa Insurance Run Operations Efficiently and Better Serve Customers MicroStrategy gives us a comprehensive view of our business and enables us to better serve our customers and run our operations more efficiently. Our diverse business generates volumes of data and MicroStrategy provides our associates with analyticallybased and actionable insight to make more effective decisions that positively impact our bottom line. - Grange Insurance Strengthening Customer Relationships Mongeral s cost of customer acquisition is high. When we lose a customer in less than a year, these costs are not recovered. The goal is to retain customers for at least three years. To extend customer loyalty, Mongeral had to deepen its knowledge about customer buying habits and expectations and offer suitable products. The business intelligence software helps differentiate our offerings, better serve clients, and also measure our internal performance metrics. For example, if we see an increase in service cancellation in a particular region, we can act quickly and work with distribution channels. Comprehensive View of Risk Exposure An integrated business intelligence platform is important to our service offering, as it helps our clients obtain quick, easy and in-depth analyses of their portfolios for a more complete picture of their risk exposure. - Guy Carpenter & Company, LLC - Mongeral Aegon 19

A Made Up Title Join our LinkedIn Group: linkd.in/microstrategy Download MicroStrategy Mobile Follow us on Twitter: twitter.com/microstrategy Like us on Facebook: facebook.com/microstrategy Copyright Information All Contents Copyright 2011 MicroStrategy Incorporated. All Rights Reserved. for iphone for ipad Trademark Information MicroStrategy, MicroStrategy 6, MicroStrategy 7, MicroStrategy 7i, MicroStrategy 7i Evaluation Edition, MicroStrategy 7i Olap Services, MicroStrategy 8, MicroStrategy 9, MicroStrategy Distribution Services, MicroStrategy MultiSource Option, MicroStrategy Command Manager, MicroStrategy Enterprise Manager, MicroStrategy Object Manager, MicroStrategy Reporting Suite, MicroStrategy Power User, MicroStrategy Analyst, MicroStrategy Consumer, MicroStrategy Email Delivery, MicroStrategy BI Author, MicroStrategy BI Modeler, MicroStrategy Evaluation Edition, MicroStrategy Administrator, MicroStrategy Agent, MicroStrategy Architect, MicroStrategy BI Developer Kit, MicroStrategy Broadcast Server, MicroStrategy Broadcaster, MicroStrategy Broadcaster Server, MicroStrategy Business Intelligence Platform, MicroStrategy Consulting, MicroStrategy CRM Applications, MicroStrategy Customer Analyzer, MicroStrategy Desktop, MicroStrategy Desktop Analyst, MicroStrategy Desktop Designer, MicroStrategy ecrm 7, MicroStrategy Education, MicroStrategy etrainer, MicroStrategy Executive, MicroStrategy Infocenter, MicroStrategy Intelligence Server, MicroStrategy Intelligence Server Universal Edition, MicroStrategy MDX Adapter, MicroStrategy Narrowcast Server, MicroStrategy Objects, MicroStrategy OLAP Provider, MicroStrategy SDK, MicroStrategy Support, MicroStrategy Telecaster, MicroStrategy Transactor, MicroStrategy Web, MicroStrategy Web Business Analyzer, MicroStrategy World, Application Development and Sophisticated Analysis, Best In Business Intelligence, Centralized Application Management, Information Like Water, Intelligence Through Every Phone, Intelligence To Every Decision Maker, Intelligent E-Business, Personalized Intelligence Portal, Query Tone, Rapid Application Development, MicroStrategy Intelligent Cubes, The Foundation For Intelligent E-Business, The Integrated Business Intelligence Platform Built For The Enterprise, The Platform For Intelligent E-Business, The Scalable Business Intelligence Platform Built For The Internet, Industrial-Strength Business Intelligence, Office Intelligence, MicroStrategy Office, MicroStrategy Report Services, MicroStrategy Web MMT, MicroStrategy Web Services, Pixel Perfect, Pixel-Perfect, MicroStrategy Mobile, MicroStrategy Integrity Manager and MicroStrategy Data Mining Services are all registered trademarks or trademarks of MicroStrategy Incorporated. All other company and product names may be trademarks of the respective companies with which they are associated. Specifications subject to change without notice. MicroStrategy is not responsible for errors or omissions. MicroStrategy makes no warranties or commitments concerning the availability of future products or versions that may be planned or under development. Patent Information This product is patented. One or more of the following patents may apply to the product sold herein: U.S. Patent Nos. 6,154,766, 6,173,310, 6,260,050, 6,263,051, 6,269,393, 6,279,033, 6,567,796, 6,587,547, 6,606,596, 6,658,093, 6,658,432, 6,662,195, 6,671,715, 6,691,100, 6,694,316, 6,697,808, 6,704,723, 6,741,980, 6,765,997, 6,768,788, 6,772,137, 6,788,768, 6,798,867, 6,801,910, 6,820,073, 6,829,334, 6,836,537, 6,850,603, 6,859,798, 6,873,693, 6,885,734, 6,940,953, 6,964,012, 6,977,992, 6,996,568, 6,996,569, 7,003,512, 7,010,518, 7,016,480, 7,020,251, 7,039,165, 7,082,422, 7,113,993, 7,127,403, 7,174,349, 7,181,417, 7,194,457, 7,197,461, 7,228,303, 7,260,577, 7,266,181, 7,272,212, 7,302,639, 7,324,942, 7,330,847, 7,340,040, 7,356,758, 7,356,840, 7,415,438, 7,428,302, 7,430,562, 7,440,898, 7,486,780, 7,509,671, 7,516,181, 7,559,048, 7,574,376, 7,617,201, 7,725,811, 7,801,967, 7,836,178, 7,861,161, 7,861,253 and 7,881,443. Other patent applications are pending. 20 MicroStrategy Incorporated 1850 Towers Crescent Plaza Tysons Corner, VA 22182 1.888.537.8135 www.microstrategy.com Copyright 2011. All rights reserved. COLL-1008 0511 MOBILE INTELLIGENCE