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  • Leading Canadian Insurance Wealth Provider launches digitized Investor Experience for Guaranteed Income Funds
Home › Canada › Products › WealthLink™ – Investor & Advisor Portals › Leading Canadian Insurance Wealth Provider launches digitized Investor...

Client

A top 5 bank-owned Insurance Wealth provider offering a broad suite of investment solutions to Canadians through proprietary and independent distribution channels.

Challenges

The organisation aimed to digitise and streamline the policy setup and transaction processing for its popular Guaranteed Income Fund (GIF) product. The goal was to eliminate manual bottlenecks and deliver a compliant, real-time experience for advisors, clients, and operations teams.

  • Manual, multi-step onboarding for GIF policies
  • High error rates and Not In Good Order (NIGO) submissions
  • Elevated operational costs and advisor follow-up burden
  • Paper-heavy workflows with limited process visibility
  • Limited external visibility into requests status throughout the process chain

LTIMindtree Solution

LTIMindtree partnered with the client to implement a complete, secure, digital workflow for GIF account setup and initial transaction processing. The solution leveraged the Order Express (OEX) platform’s orchestrated API integration with the Unitrax Transfer Agency Platform to enable Straight-Through Processing (STP).

Key capabilities included:

 

Guided onboarding flows with embedded business rules to ensure data accuracy

Integrated front-to-back office functions including validations, task creation for back-office pre/post-trade compliance, and real-time status updates

Trade Settlement including FundSERV, EFT, Cheque, or Internal and External transfer

End-to-end automation covering form generation, e-signatures, and straight-through processing to the Unitrax Book of Record

Business Benefits

  • Enabled a 40% improvement

    Real-time advisor enablement reduced delays, errors, and NIGOs, allowing advisors to focus on client engagement rather than administration and follow-up

  • Enhanced transportation planning

    Improved accuracy to significantly reduced financial risk

  • Achieved real-time visibility

    Up to 95% less manual processing increasing productivity

  • Achieved real-time visibility

    Drastically reduced cost per account opening

  • Achieved real-time visibility

    Digital controls and reporting ensured compliant execution and audit readiness

  • Achieved real-time visibility

    API-first architecture supports future integrations and scalability across other products and businesses processes

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