1. A computer system architecture for providing remote access to insurance applications to a user computer at a remote location, comprising: an insurance computer system comprising: a memory comprising one or more computer databases storing predetermined rules and data relating to the insurance applications; at least one processor retrieving the predetermined rules from said one or more computer databases, and executing instructions responsive thereto; and a service oriented application architecture executed by said at least one processor, and configured to include: a presentation layer accessible to the user computer at the remote location that provides tools for navigating within the insurance applications and executing transactions, wherein the presentation layer comprises web browser technology; an application layer that executes the predetermined rules retrieved from said computer databases responsive to commands and transactions input from the user computer located at the remote location; a data access layer that manages physical storage of the application data in the databases and provides the application layer with access to the 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.