Every project begins with requirements and ends with an operational solution, a solution that must grow with your business. Colibrium Partners’ delivery model is benchmark-based and utilizes more than software to reach the end state.

What do brokers really want? What information do underwriters use most often? Which rating factors are likely needed in the future? Too often questions like these are answered with what people believe the answer is. Too often the project business analyst doesn't know to ask these questions. Colibrium Partners' ongoing research and analysis augments what you believe the requirements to be with observed outcomes. By utilizing these benchmarks as a starting point, the following benefits will be achieved:

• Requirements can be developed more quickly
• Requirements can be prioritized based on objective benefit
• Ineffective approaches are eliminated

Colibrium Partners' Tuo™ Product Suite is based on benchmark requirements and extensive usability studies with real world users. Regulatory changes coming? Need to enhance the application? You won't have to call us unless you want to. While other vendors offer proprietary solutions only they can modify, ours is tool-based and open. We utilize the applications in many capacities including the following:

• As a prototyping tool
• As a front end to your existing applications
• As an end to end solution
• As a Software as a Service (SaaS) based solution

Did your workflow change? Want to add a new product? Are new regulatory requirements established before you get the last updates addressed? Are product, rate and regulatory-related modifications diverting valuable funds away from growing your capabilities? Our research shows again and again solutions are too rigid and require coding to modify business rules. Forty-three percent (43%) of plans surveyed about their underwriting solutions felt their current applications were too expensive to maintain. Colibrium Partners provides a health insurance rules framework which leverages the leading business rules engine tools such as Corticon, Haley's and ILOG to address this need. With our solution, the millions of dollars invested in best in class BPM tools are leveraged to enable the business to implement and maintain business rules, empowering the business and directing funding to where it should be spent, expanding your services and capabilities.