Abstract: A hierarchical data structure is provided for administering insurance products for customers associated with different groups. The data structure includes: a group level having a data record for each group of insurance customers; a customer level having a data record for each insurance customer, where each data record has a child relationship to one of the data records in the group level; and a policy level having a data record for each of the insurance policies held by an insurance customer, where each data record includes an identifier for the insurer whom issued the insurance policy and has a child relationship to one of the data records in the customer level, such that insurance customers within a group can have insurance policies from different insurance insurers.

Abstract: A system and method for reconciling the differences in pricing breakout definitions between telecommunication carriers so that rates and codes can be communicated between carriers in a format that is compatible with the systems of the respective carriers.