Product Technology

InsMark's product line utilizes a unique approach to illustrating all forms of cash value life insurance. Illustration design requires the coordination of three disciplines: actuarial, legal and creative presentation, and no system is good at mastering all three.

InsMark deals solely with creative presentations -- leaving actuarial and legal considerations to the carrier's primary illustration system. To do this, InsMark developed its proprietary specifications (Button File) that each licensed insurance company uses to create "The Link" of data from its illustration system to InsMark. 

With this approach, the field producer can present InsMark illustrations as "top page" concept proposals or, as the MDRT has called them, "diet" proposals. Mathematical and legal compliance is covered by requiring that the insurance company's illustrations must accompany the InsMark presentation. To this end, InsMark was the driving force behind the NAIC's acceptance of "supplemental illustrations" as a special presentation category.

Although client companies often request customization of InsMark output for compliance purposes, separating the creative presentation from the actuarial number crunching gives InsMark -- and its customers -- a distinct advantage in software development. Typically, such development requires an extensive commitment of time and dollars due to the actuarial demands of the project. This leaves little time or resources to develop the artistic portion of the presentation.

InsMark's linking technology allows its research and development staff to concentrate on the artistic aspects of the sale.   Proving that this technique works, InsMark is the only supplemental illustration system consistently asked for by name by insurance producers in the field.