Two generations of consumers have become accustomed to doing business and buying goods and services over the Web. Agents, even those with more traditional business models, increasingly rely on self-service Web tools communicate and transact with their insurance carrier. IBM is helping insurers move to a self-service environment while they grapple with a legacy environment that is cumbersome and expensive to move to new Web. 2.0 technologies. Leveraging its experience in SOA environments, IBM has created best of breed components that help insurers more quickly move to self-service, build a robust user interfaces, and meet shifting consumer and agent expectations for ease-of-use and real-time access.