CINCINNATI — Frost Financial Services said it is incorporating financial calculation software into the Web version of its widely used GAP insurance administration solution.

The VisualGAP application will use the SmartCalcs tools from Carleton Inc. to allow credit unions to "effectively offer credit insurance or debt cancellation products to members via VisualGAP's menu-selling feature," the Cincinnati-based company said.

"Credit unions can now look to improve their cross selling success and increase fee income by using the VisualGAP Web tool without the need to change their credit insurance vendors," said Phil Markwell, partner, Frost Financial Services (

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