IBM Insurance Outsourcing Services (IIOS) is one of the largest third-party administrators of life, health and annuity products in North America. The IIOS experienced rapid expansion through multiple acquisitions and organic growth and needed to combine locations, streamline infrastructure and consolidate systems to enhance service and reduce costs. To address these challenges IIOS deployed IBM. IBM Insurance Outsourcing Services (IIOS) consolidated five administration systems into a single platform and created a “Virtual Back Office” operation.