A system architecture for providing remote access to insurance applications from a remote location is provided, including: a presentation layer located at the remote location that provides tools for navigating within one of the insurance applications and executing business transactions, wherein the presentation layer is based on web browser technology; an application layer that enforces predetermined rules of business on commands and transactions input from the remote location; a data access layer that manages physical storage of data relating to the insurance applications in databases and provides the application layer with access to application data; and a distributed technical layer separating a presentation logic of the presentation layer from an application logic of the application layer, wherein the distributed technical layer is configured to coordinate an execution of the insurance applications on one or more different platforms.