SFS has analyzed the agency automation needs of the insurance market and developed four distinct models. Each success proven model satisfies different needs, has the same reliability, is ease of use and does not require any change in your core insurance systems.

The four insurance business solution models enable insurance companies

* Increase competitiveness
* Achieve short-term return on investment
* Improve channel efficiency and productivity
* Communicate and collaborate effectively with agents, banks, direct sales,    brokers and alternative channels
* Shorten business cycles
* Spend less effort on operations
* Reduce operational and sales costs
* Require no manual proposal/policy entrance
* Create new cross sales opportunities
* Achieve efficient and reliable customer and prospect information sharing
* Understand exact needs and preferences of customer

SFS Agent Model Positioning Chart


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Model A210 – All-Line Agency System (On/Off Line): The agents can work either online or offline whenever necessary. They work real-time when online, or issue the proposals offline and send them later during their first online connection. Changes in tariffs and underwriting rules are downloaded at predefined intervals.

Model A220 – Real-time Agency System: This is a completely web based alternative. No software installation, no tariff distribution and no agent system maintenance are required. Agents login, work and send proposals via internet. The insurance company has instant and dynamic market view. Dynamic tariffs and underwriting rules can be implemented.

Model A230 – Online Quoting System: The system is basically an offline agency system; it only connects to the insurance company for getting a quote and submitting a proposal. Dynamic tariffs can easily be implemented. Changes in underwriting rules are downloaded at predefined intervals.

Model E200 – Current System Integration: Agents continue using their existing offline systems and submit their proposals online through the intelligent integrator engine. This model integrates with the insurance company's current systems without any intervention. However, distribution of tariff CDs is still necessary.

SFS Agent is developed on Winsure (SFS collaborative insurance platform) architecture and the four main models can be customized according to specific requirements of insurance companies.