DistributionSpark Rater

Make quote-to-bind feel like one continuous journey.

One sales engine, two experiences: Spark Agent POS for agents and Spark Direct POS for consumers. Rating, underwriting and binding run on the same engine, configured around the rules, programs and channels you already have.

See it in a demo Agent POS vs. Direct POS

Spark Direct POS consumer landing page (demo environment)

Quote-to-bind shouldn't depend on which door the buyer came through.

01Journeys that break apartRating happens in one place, underwriting questions in another, and binding somewhere else. Data gets re-keyed between steps, and the buyer feels every handoff.

02The same work, done twiceAgent and direct channels often run on separate tools. Every rule change, form update and new program has to be made in both places.

03New products wait in lineWhen the sales journey is hard-wired, putting a new program in front of agents or consumers is a project of its own.

One engine behind every point of sale

Two experiences. One set of rules.

Spark Agent POS

A point of sale for insurance agents, brokers and producers. It takes them from first data entry through rating and underwriting questions to bind.

Built for agents, brokers and producers
Rating, underwriting questions and bind in one flow
Runs on the same engine as Spark Direct POS

One engine, two experiencesAgents and consumers each get an experience built for them. Both run on the same rating, underwriting and bind engine, so a change to your rules applies in one place.

A staged flow from quote to bindRating, underwriting and binding run as clear stages. Each stage gets its own screens, from initial data entry to the confirmation after the policy is issued.

Configured around your businessSet Spark Rater up around your existing rules, programs and channels. You're not adopting someone else's.

Inside the product

One staged flow, from first question to bind.

The consumer journey in Spark Direct POS, and the sign-in for agents using Spark Agent POS.

Spark Direct POS step 1, about you — Direct POS: tell us about you

Spark Direct POS rate comparison step — Direct POS: compare and select a plan

Spark Agent POS sign-in screen — Agent POS: agent sign-in

Screens from a Spark demo environment. Data is illustrative and details are blurred.

How it fits your stack.

Spark Rater connects rating, underwriting and bind to your policy administration system and the approved third-party services you already use. It does this through a client data and integration layer, so your policy system stays the system of record. Each integration is scoped to your environment during scoping.

People and channels

Agents, brokers, producers and online buyers

Spark Rater

Spark Agent POS and Spark Direct POS on one engine

Your core

Your policy administration system and approved third-party services

Your rules. Your programs. Your call.

Spark Rater runs on the rules and programs you configure. It doesn't add new ones of its own. Your team decides how each program is rated, what underwriting questions are asked and when a policy can be bound. When those rules change, your team makes the change once, and it covers both channels.

Questions

Do we need separate systems for agents and consumers?

No. Spark Agent POS and Spark Direct POS run on one shared engine. Each audience gets its own experience, and your rating, underwriting and bind logic lives in one place.

Do we have to replace our policy administration system?

No. Spark Rater connects to your existing policy administration system through an integration layer. It handles the point-of-sale journey and passes the work to the systems you already run.

Which lines of business does Spark Rater support?

Spark Rater is configured around your own programs. The lines, programs and integrations for your rollout are confirmed during scoping.

Walk one quote from first entry to bind.

Book a 30-minute demo. See the agent experience and the consumer experience side by side, both running on one engine.

See it in a demo

Prefer email? Write to solutions@advancio.com.