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Terrace CIM Carrier Interface Management Software Terrace CIM is advanced, flexible software designed for the Insurance industry. CIM allows 1) carriers to create download files for agencies and 2) agencies to process carrier information and store it locally. CIM is a simple, fast 'out of the box' solution for your interface processing requirements. Elegant, Scalable Architecture Terrace CIM utilizes a simple architecture for creating and processing Insurance information. The server / schema architecture integrates highly-available Windows Server services with abstracted file descriptions. CIM Engine The CIM engine is built to process a high volume of data - unattended - with complete support for activity logging, error processing and failover. The CIM engine is bi-directional, facilitating the writing and/or reading of standard files. CIM Schemas Terrace has abstracted each Insurance file description into simple, self documenting XML schemas. These schemas drive parsing and storage of the policy and accounting data. All Lines of Business CIM is built to process a variety of data, including Policy files (Personal Lines and Commercial Lines), Claims and Accounting (e.g., direct bill transactions). CIM processes standard files (AL3, ACORD XML, CSIO) and non-standard files (Excel, ASCII, etc.). Agencies & Carriers Terrace CIM is built to support reading and/or writing of standard and non-standard insurance files. All vendor agency systems are supported.

The centerpiece of SMS' agent-focused web technology is the SMS Agent Advantage system: a suite of tools, services, rewards, and incentives that are accessible online at SeniorMarketSales.com. The SMS Agent Advantage provides agents with: Free 24/7 agent access to quotes and forms for Life (Term + Universal), MedSupp, LTC, Dental, Travel Enhanced website content for Life, MedSupp, LTC, Dental, Travel Agent/agency web site quote engines for Term Life, Dental, Travel, MedSupp Pre-underwriting services for Life and LTC Impaired risk life underwriting Loyalty rewards and trips Online document library of carrier bulletins Weekly status emails on all submitted business Insurance lines that are supported include: Life insurance (Term, Whole, Universal, Senior Life, Final Expense/Pre-need, Mortgage Life, Single Premium, Juvenile Life, Group/Worksite) Annuities Long-Term Care (Individual & Group/Worksite) Medicare Supplements Dental Insurance (Senior Dental, Individuals, Worksite) Travel Insurance / International Life, Health, Disability, AD&D / War Risk Medical & AD&D Defense Base Coverage (workers compensation for government contractors overseas). Our industry is reinventing itself; mergers among insurance companies, banks and brokerages combined with globalization, and the technology revolution offer an array of opportunities never before seen in our industry. More changes have occurred in the insurance business in the past 10 years than in the previous 150. Staying on the positive side of change requires vision and the ability to see things not only as they are, but also as they are going to be. At SMS, our focus is always on the future. As insurance sales move from the kitchen table to the Internet, the client base is of prime importance to you, especially in cross-selling opportunities. At SMS, we combine our decades of insurance expertise with leading Internet technology to create an innovative marketing concept designed to help you succeed in all channels of life and health insurance distribution. SMS is one of the first national marketing companies to take advantage of technology and the Internet for marketing insurance products and services. We continuously increase efficiency through use of proprietary technology to reduce marketing costs, boost agent satisfaction and build loyalty. Technology is here to stay. The focus is on the strategic leadership necessary for technology to create a sustainable business model. Our goals are to create a more effective organization to enhance our bottom line and that of our producers.