FIMMAS is a complete Policy Administration System supporting both individual and group business. It provides everything an insurance company needs to process their business except a General Ledger and Investment package. It is a client centric fully integrated system with its own client relationship management system that can be deployed on Linux, Windows, or Unix operating systems and can utilize the inherent database or any ODBC compliant database such as Oracle, SqlServer or others as desired. It is a table driven rules based system that allows the business community to manage the product definition and process functionality instead of requiring large amounts of programming effort. There are cloning capabilities that supports the fastest time to market available. Extensive conversion support utilities help speed and reduce the costs of conversion efforts. A fully integrated correspondence capability supports both ad-hoc and automatic correspondence. FIMMAS is fully web enabled and has portals for Consumers, Agents, Groups and in house Administrators. FIMMAS supports a broad sprectum of all the traditional life products including participating products in additiona to very complex universal life, excess interest whole life, deferred and immediate annuities. Support exists for products with single or multiple funds, and supports variable processing. In addition to the life and annuity support, it also supports health, long term care, credit, and many new hybred and private placement products.