computer software for use in performing the following functions: policyholder recordkeeping and administration; new business set-up; calculating, based on the factors specific to the policyholder, the policyholder's initial and ongoing contributions, taking into account the policyholder's long-term financial goals; supporting the payment of retirement benefits to policyholders necessary for determining amounts, frequency and timing of benefits to policyholders; supporting business process outsourcing services as it relates to the servicing of policyholders and agents through mailroom processing, transaction processing, client service, agent service, and call-center operations; enabling automated, consistent communication of standard processes associated with the establishment of new policies, as well as compliance with rules, standards and regulations as they relate to the processing of work; supports insurance product management and policyholder management efforts to develop new products, improve existing products and manage the relationship with the policyholders and insurance agents; provides workflow automation in support of carrier-specific and product-specific business rules; and managing the information associated with the contract between an insurance company and policyholder