Policy Display

www.ruddwisdomsoftware.com

QL.AdminAffordable, easy-to-use software from insurance experts.

Policy Display

Policy Issue

Policy Issue

Policy Issue

Policy Display

QL.Admin's Policy Display window

shows information about a policy in a single

window using multiple tabs. Complete

coverage information is provided,

including premium history, policy values,

beneficiaries, assignees, agent earnings,

policy memos, user defined data, claim

i n f o r m a t i o n a n d u n d e r w r i t i n g

requirements.

A policy is located by specifying the

number, insured name, social security

number, or date of birth. Changes to a

policy are tracked with a complete policy

transaction audit, while various aspects of a

policy’s history is one right-click away.

New business is added to the system through one easy-to-use New Issue input window, and the new policy

shows a Pending status code until underwriting is approved and the policy is released from Pending.

automatically populates certain coverage information based on data stored in the insurance rate files. Agent hierarchies

are automatically completed from the agent set up files. Extensive policy level validation ensures data integrity.

allows users to track policy underwriting and issue requirements and accounts for cash with

application money . The system supports printing complete policy forms as well as policy insert

pages such as the policy schedule and data page, cash value pages, cost disclosure pages, and welcome

letters.

QL.Admin

QL.Admin

QL.Admin

(CWA)

Software Features

Policy Issue

QL.Admin allows the user to quickly navigate from policy display to the Edit or Maintenance screens for service

processing. The system also has a document editor with mail-merge capabilities to create policy correspondence and

contract forms. Documents are generated on request or as scheduled, and are auto-saved for future review or re-print.

Policy Display

Policy Issue

Software Features

Policy Issue

Policy Add / Edit

Policy Maintenance

Policy Maintenance provides easy manual processing for surrenders, death claims, lapses, loans, annuities and more.

Accounting transactions are generated where appropriate and stored for later export. produces accounting

calculations for all policy administration. transactions, including:

QL.Admin

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Cash Surrenders

Extended Term Insurance

Reduced Paid-Up

Automatic Premium Loan

Death / Health Claims

Lapse / Suspend Changes

Cancellations

Reinstatements

Policy Loans and Payments

Dividend Deposit Withdrawals

Annuity Withdrawals (RMD and Regular)

QL.Admin prints before-and-after policy transaction pages that show policy details, the user who made the change, and

applicable accounting information. Automated user memos can also be set-up to track all policy transactions.

Routine policy transactions such as beneficiary updates, change of address, changing billing modes or updating bank

account information are processed with the Edit function. After a user makes policy changes, the editing

routine goes through extensive and comprehensive policy level validation to ensure data integrity. To further protect a

client’s data, the system also allows users to be granted specific security levels. Policy changes are recorded in a

transaction audit file.

QL.Admin

Policy Display

QL.Admin supports a wide variety of billing methods including direct pay, multiple direct pay, group bills, coupon

books, bank drafts/EFT transaction, and credit cards.

The system easily handles all traditional billing modes, and complete billing registers and billing histories are created for

audit purposes. Premium notices can also be bar-coded to allow for easy data entry via a bar-code scanner.

First, second, and third notices are available for direct pay bills.

Billing

Policy Issue

Policy Issue

Software Features

Policy Issue

Premium Application

QL.Admin Premium processing is designed to

allow for quick and accurate premium posting.

Paid-to dates, commission records and financial

values are updated in real time as the premium

payments are applied. Premiums may be applied

by individual policy or by group, and pre-

authorized drafts are automatically created and

posted during the billing cycle. The system

automatically determines the best method to

account for and allocate the premium payment -

whether the payment is a multiple of the current

mode or is an odd amount from the amount due.

Policy Display

Valuations can be run on an annual, quarterly or monthly basis. The level of reporting detail is chosen at the time the

valuation is run. Statutory, GAAPand Tax reserves are all supported. valuation reports include:QL.Admin

Valuation

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Policy Reserve Valuation

with Due, Deferred and Advance Premiums

Premium Suspense Valuation

A&H Tabular Reserve

With Due, Advance and Unearned Premium Valuation

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Annuity Reserve Valuation

Policy Loan Valuation

Temporary Values Valuation

Dividend Accumulations Valuation

Pending Death Valuation

Over/short and suspense amounts are calculated according to your system’s configuration settings. Commissions are

adjusted for any premium reversals or changes to previously applied payments, such as with lapses or cancellations.

Preliminary and final premium application reports are created and identified for each user who enters premiums.

Group premiums are applied using the Group Explorer data window. Payment amounts on a group bill can be edited to

match the returned bill, new policies can be added to the group, and the entire group can be zeroed out or terminated. A

running premium total is displayed so that the amount due and amount received can be reconciled.

Policy Display

Agent management includes agent advances, chargebacks, reserve accounts, multiple hierarchy schemes, 1099's, agent

balance reports, licensing and appointments, policy tracking and periodic commission statements.

As many as 100 agents may be assigned to a single policy, permitting your company to have an extensive hierarchy

agents, each with their own commission payments. Commission rates may be set up to vary by agent level, by plan code

and by duration. Agent administration has the flexibility to do the following:

Policy Issue

Policy Issue

Software Features

Policy Issue

Agent Processing

� Add, edit, or delete agent information

Maintain agent contract information including agent

level, status, manager, assignment, minimum payment

amounts, advancing criteria, chargeback rules, reserve

accounting, and licensing information.

View premiums and commissions earnings, separated

into first year or renewal amounts for the prior period,

the current period, and year-to-date.

Calculate, edit, and add manual payments to or from

agents to be included on the periodic statements.

Produce periodic statements with complete accounting

of premium payments, earned commissions, advances,

chargebacks, and agents' accounts.

Agent statements can be produced in a .pdf format for

easy electronic distribution.

Agent payments can be made by check via the A/P

export, or by direct deposit.

Generate 1099's on paper and E-file with the IRS.

Real time calculations for ledger balances.

Complete list of an agent’s book of business.

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Policy Issue

Accounting

QL.Admin

QL.Admin

is configured to integrate with many of today’s most popular PC-based accounting programs. The system

provides everything necessary to capture all required accounting transactions and map them to your Chart ofAccounts

while still allowing for variations by company and plan code. An export option is provided which creates either G/L or

A/P reports that get imported into your accounting system. provides for separate Charts of Accounts for a

multi-company environment. Other variations can be handled on an exception basis.

Policy Display

QL.Admin

QL.Admin

has extensive reporting capabilities which includes a wide variety of pre-defined reports. Reports are

retained until archived or purged using available system settings. You can also create your own report formats with an

add-on report manager. system reports include:

Policy Issue

Software Features

Policy Issue

Report Creation and Management

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Master File Lists

Billing Notices and Registers

PremiumApplication Reports

Past Due Reports

Premium Suspense Reports

Premiums by State Reports

CWAApplication Reports

Life Claims and IBNR Reports

Agent Commission Statements

Agent Balance Reports

Agent Payments Reports

Annuity Annual Statements to Policyholders

Policy Benefits Reports

Policy Exhibit Reports

Transaction Audit Reports

IRS 1099/5498 Reports

Reserve Valuation Reports

Privacy Notices

Automatic Anniversary Updates

Daily anniversary processing will automatically identify and update each policy for events such as:

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Coverage Becoming Paid-up

Coverage Expiring or Maturing

Scheduled Premium Changes

Scheduled Death Benefit Changes

Cash Value Updates

Annuity Interest Rate Changes

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Policy Dividend Processing

Policy Loan Interest

Annuity Policy Expense Charges

Automatic Lapse/Nonforfeiture processing

Scheduled Policy and Plan Correspondence

Policy Issue

Software FeaturesPolicy Issue

System Management

QL.Admin allows specific global configuration settings that determine how certain parts of the program function.

The office sys-op also controls the security settings and establishes security levels for each system user.

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Limits for over/short and suspense

amounts

Billing options for second and third

notices

Automatic lapse/nonforfeiture processing

Commission calculation methods

Exporting options for your G/L and A/P

Automatic policy number assignment

Policy memo recording options

Annuity interest crediting methods

Death claim processing options

Return of premium and suspense amounts

at termination

Automatic e-mail support information

Agent statement .PDF options

Auto-claim numbering

Secure login

Automated system updates

Policy DisplayQL.Admin allows you to enter and modify certain data files by using data entry windows, importing from text files, or

copying from existing data files. The system allows you to maintain:

Policy IssuePolicy Issue

Data File Maintenance

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Company Information

Plan Information

Bank Information

Group Billing Data

Gross Premiums

Death Benefits

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Terminal Reserves and Net Premiums

Cash Values

Dividends

Regular and Override Commissions

Annuity Interest Rates, Expense loads, Surrender Charges

Clone Plan Codes and Related Data

Policy Display

We provide direct training and ongoing support to each user.

Software Features

Education & Support

Operating Environment

QL.Admin

QL.Admin

QL.Admin

runs on a 32-bit Windows-based platform and can be implemented on most major PC networks, including

Windows Vista/XP/NT/2003/2000. The system is programmed in Computer Associates’Visual Objects; a true object-

oriented, 32-bit programming language.

uses the familiar and stable xBase database format with client /server processing, which is enabled via

Advantage Database Server from Sybase. More information onADS can be found at www.advantagedatabase.com.

also supports a multi-company environment so multiple insurance companies can issue products yet reside

within the same database in the same network folder.

Customized Functionality

The existing routines can be complemented with client-specific functions. At your request, special reports

and utilities can be custom programmed and added to your system.

QL.Admin

QL.Admin

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Remote assistance with WebEx online chat, desktop viewing and shared control of user screen

Direct access to support staff via email and phone with systematic case tracking

Comprehensive user help guide

System data backup services

Reinsurance Administration

Additional Modules

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Health Claims Administration

The Health Claim module integrates with theexisting claim and payment functions.Claims are accessed directly through the claimstab in Policy Display or the claim function inPolicy Maintenance.

The claim adjudication window shows allclaim details for each service phase. Claiminformation such as claim type, loss dates,diagnosis codes and CPT codes are entered by theclaim adjustor. Detail and summary amounts aregiven for coverage, discounts, deductibles,coordination of benefits and benefits paid.

As with other system information windows, claimmemos can also be added for adjustor and policyservice reference.

QL.Admin

The adjustor can add multiple service phases, link them to the diagnosis codes, then make manual adjustments to the claim untilit’s settled. Adjustors are granted varying levels of authority. The benefits payable for each service phase are automaticallycalculated, and claim data goes through an extensive validation process to confirm plan and benefit limits, precertifications,adjustments and date ranges.

The Re insu rance Modu leaccommodates all aspects of a reinsurance treatyand allows different requirements for base plans,riders, coinsurance allowances, retained/cededminimums and carriers.

Reinsurance details are displayed at the policylevel for business with ceded amounts ofcoverage, along with a Reinsurance billinghistory for the policy.

Reinsurance billing is also part of the billing cycleand creates a statement showing policies and totalpremiums due to the reinsurer.

QL.Admin

QL.Admin also provides Reinsurance reports for new business, paid premiums, terminations and an overall reinsurancevaluation. Reinsurance data can be edited at both the treaty level and policy level to accommodate exceptions.

Policy Issue

Additional Modules

Policy Issue

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Health Plan Benefits Maintenance

Each health plan will have one or more benefitcodes, also known as adjudication codes, towhich it is associated.

The general attributes, thresholds andmaximums for each benefit are created in thePlan Maintenance File.

General Attributes include basic benefitinformation, such as the per unit maximum,UCR percentages and number of days in thewaiting period. Thresholds set specificparameters for the benefit, such as with pre-existing conditions and penalties for no pre-certifications. Maximums for the benefits aredefined in terms of time and dollars.

All of the supporting data for the Health Claims Module are established and maintained in the Health Tables in theData Maintenance menu option. These data tables store adjustor and provider information, claim adjustment codesand pending underwriting codes.

The unique industry data for UCR information, CPT codes and ICD codes are uploaded to the system and caneasily be updated when new data is released to the public. The system keeps track of when new datahas been updated and applies the new rates and codes to all claims entered after the update.

QL.Admin

Health System Data Maintenance

QL.Admin also provides easy processing of claim pre-certifications. The adjustor or third-party pre-certificationagency can modify pre-certifications and the updates are available to Adjustors in real-time. Requirements andparameters for claim or service pre-certifications are also managed in the plan and benefits tables.

Policy Display

Policy Issue

www.ruddwisdomsoftware.com(512) 346-1590

License Fees

Policy Issue

All fees are subject to change without notice.

QL.Admin License Fees

BaseQL.Admin ReinsuranceSystem Module Module

HealthClaim

System Component License Fee $60,000 $25,000 $15,000

Concurrent User License Fee (Per User)

$7,500 $3,150 $1,875$5,000 $2,100 $1,250

Thereafter $2,500 $1,050 $ 625

The Total License Fee is the sum of the System Component License Fee(s)plus the Concurrent User License Fee(s).

A discount is applied if the Base System and Health Module are purchased together.

The Monthly Maintenance & Support Fee is equal to 2% of the Total License Fee per month.

First 10 Concurrent UsersNext 40 Concurrent Users

Policy Display

www.ruddwisdomsoftware.com

Client References

LocationContact Insurance Company

Brent Haggard Texas Savings Life Insurance Co. Duncan, OKPresident (800) 544-9242 Client since 1988

Wendell Klein Texas Security Mutual Life Insurance Co. Houston, TXDelise Lee (361) 594-8520 Client since 1990

Jim Smith Southwest Reinsure Inc. Albuquerque, NM(800) 634-4333 Client since 1990

Chris Urban Catholic Union of Texas - KJT La Grange, TX(800) 245-8182 Client since 1991

Susan Thomas Winnfield Life Insurance Co. Austin, TX(512) 263-6977 Client since 1993

Jim Montee Preferred Security Life Insurance Co. Dallas, TXVice President (214) 946-5133 Client since 1994

Loretta Stahl Catholic Family Fraternal of Texas Austin, TXPresident (512) 444-9586 Client since 1994

Nancy Roberts Southern Life and Health Insurance Co. Birmingham, ALAsst. Vice President (205) 414-3000 Client since 1995

Lynn Bockhorn Germania Life Insurance Co. Brenham, TX(800) 392-2202 Client since 1997

Leslie Rudy Standard Security Life Insurance Co. New York, NYVice President (260) 459-1383 Client since 1997

Charlie Allison United Benefits, Inc. Dallas, TXPresident (800) 766-0018 Client since 1998

Teresa Weaver Scor Re Dallas, TX(469) 246-9500 Client since 1998

Ric Jernigan American Farm Life Fort Worth, TX(817) 451-9550 Client since 1998

Robert Wakelin CUMIS Life Insurance Co. Burlington, Ontario, CAN(905) 632-1221 Client since 1998

Debra Riley Bankers Life Insurance Co. St. Petersburg, FL(800) 839-2731 Client since 1999

Policy Display

www.ruddwisdomsoftware.com

Client References

LocationContact Insurance Company

Leyland Mahon CUNA Caribbean Insurance Society Port of Spain, Trinidad(868) 628-2862 Client since 2000

Judy Majko Professional Life and Casualty Chicago, ILTreasurer (312) 220-0655 Client since 2001

Ron Parker Wichita National Life Insurance Co. Lawton, OK(800) 522-1625 Client since 2001

Clif Mitchell North America Holdings, Ltd. Austin, TXPresident (512) 347-1835 Client since 2001

Ted Ludlam Provident American Life Insurance Co. Dallas, TXPresident (214) 696-9091 Client since 2002

Brent Gibson Great Cornerstone Life Edmond, OK(866) 868-3274 Client since 2002

Larry Tunnell Agee and Associates Dallas, TX(972) 234-3770 Client since 2003

Aaron Searle Capital Reserve Life Insurance Co. Salt Lake City, UT(800) 222-4275 Client since 2004

Tom Munson Landmark Life Insurance Co. Brownwood, TXPresident (800) 299-5433 Client since 2004

Tony Gonzalez Atlantic Southern San Juan, PRVice President (787) 767-9750 Client since 2005

Kim Gavlik American Century Life Tulsa, OKPresident (888) 712-7770 Client since 2005

Jim Michalak Columbian Mutual Life Insurance Co. Plymouth, MIVice President (866) 453-8510 Client since 2006

Kelly Rush Williams Great Central Life Oakdale, LAPresident (318) 335-0500 Client since 2007

Nikki May Family Liberty Life Texarkana, TX(903) 794-1300 Client since 2008

Mike Simard Liberty Bankers Life Dallas, TX(469) 522-4203 Client since 2007

Policy Display

www.ruddwisdomsoftware.com

Client References

LocationContact Insurance Company

Kevin Seubert Requia Life Insurance Corp. Madison, WI(608) 256-1757 Client since 2009

Clyde Honaker Kentucky Home Life Lexington, KYMarketing VP (866) 914-7947 Client since 2009

Dennis Necaise Mothe Life Insurance Gretna, LAPresident (504) 398-0777 Client since 2011

Javier Ortiz USIC Guaynabo, PRVice President (787) 625-1111 Client since 2011