HARNESSING THE WEB: The e-Insurance Desk illustration system (eInsDesk) is the web-based version of our popular Insurance Desk desktop illustration system. Designed for Internet and Intranet use, eInsDesk provides the full-featured capabilities our clients have enjoyed from our desktop new business systems while also providing the ability to generate in force illustrations (reproposals). eInsDesk offers clear advantages for in force illustrations today, and will provide the competitive edge you need for new business illustrations as the wireless revolution progresses.
You will appreciate the outstanding service we provide as we customize your eInsDesk system. Using a potent blend of actuarial expertise, technical talent, and software development experience, we will efficiently analyze and implement your product features and calculations. We will work with you to insure your proposal inputs and illustrations are fine-tuned to showcase your products, your calculations are accurate, and your illustrations are compliant with state regulations.
SIMPLE AND POWERFUL:
- A wizard-like interface clearly leads users through the process of creating an illustration
- Concise input screens provide clear access to input fields (so the user does not need to scroll to see all input fields) and also to minimize load times. Most routine Universal Life illustrations require as few as 6 screens of inputs. Additional screens support advanced features.
- Navigation between pages is simple and direct
ROBUST FEATURES:
- Allows for multiple solve types, a full range of riders, and year by year variations of face amounts, premiums, death benefit options, interest rates, additional premiums, loans and withdrawals
- Once an illustration is processed, summary results are shown on a Results page and reports are presented in PDF files which may be viewed online or printed
- Administrative tools are built-in, so you can control product availability, state approvals, interest rates, and agent access without having to deploy new versions of the system
- Supported by all major Internet browsers
FLEXIBILITY:
- Readily customizable for multiple distribution channels and products
- Product calculations reflect your product parameters and comply with IRS regulations regarding life insurance and modified endowment contracts
- Calculation engine is shared as a common component with our desktop Insurance Desk and In Force illustration systems to insure consistency and ease of maintenance between systems. Likewise, the database that drives the print engine component is shared with Insurance Desk.
- Makes use of XML technology as defined in the ACORD XMLife Standards, which allows the Calculation Engine component to be shared with other ACORD compliant software packages
- Interface and/or illustrations can support multiple languages
- Designed to be scalable for a wide range of users; can be run on a single server or have components distributed across multiple servers depending on usage and redundancy requirements
REPROPOSAL CAPABILITY:
- Policy information is collected using a link to your administration system
- Changes to items such as class, face amount, death benefit option, dividend option, and riders are allowed at the evaluation date
- Deposits or withdrawals are allowed at the evaluation date
- The evaluation date can be off-anniversary and even off-monthiversary
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