How can youdecrease costs,increase revenues, reduce lapses, andexpand new saleswith your existing Carrier, Brokerage, or TPA technology infrastructure, within 28 days?

Another bright idea from Tungsten www.tungstenrev.com

THE SHORT ANSWERWith Tungsten’s proven, proprietary FLEXPay technology solution, you gain the visibility, flexibility, and efficiency that today’s market conditions demand.

In weeks, not months.

Use the contact information found on the last page to learn more.

THE LONGER ANSWER

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THE PROBLEMTHE SOLUTIONTHE COMPANY

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THE PROBLEM

NEXT: The Solution

Legacy systems worked well in the past, but it’s a new day for selling insurance, processing policies, collecting premiums, and managing customer data.

Customers demand more options, more customization, and more tailored offerings. This requires either significant investments in new technology, or heavy marketing initiatives to create perceptions of flexibility.

Both solutions are expensive and difficult.

RIGIDExisting platforms—with their processes—exclude you from new revenue opportunities, diminish your ability to deliver value, and frustrate your customers.

OPAQUEPoor information prevents your team from acquiring essential Business Intelligence (BI). Limited visibility makes it impossible to quickly capitalize on new revenue opportunities.

SLOW Legacy systems are cumbersome and ill-fitted to complex customization, reporting, and optimization requirements.

LAPSESReducing lapses and maximizing retention is a constant challenge. Salvaging declined transactions becomes problematic when millions of accounts are involved, and an industry-wide lack of customer engagement results in unnecessarily high churn rates.

EXPENSIVELayers of human redundancies are put in place to meet compliance requirements in a zero-tolerance industry.

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THE SOLUTION

FLEXPay is a secure platform to connect carriers, sales agents and policyholders.

FLEXPay empowers policyholders to direct-deposit funds from payroll into an FDIC-insured account without the participation of their employers. It aggregates policy payments, and provides a waterfall of customized back-up payment options to prevent lapses.

FLEXPay empowers your agents with the Business Intelligence (BI) tools they need to offer, deliver, and manage real-time revenue opportunities.

FLEXIBLEFLEXPay offers impressive flexibility, resulting in a tailored solution to your unique requirements.

TRANSPARENTFLEXPay delivers vital Business Intelligence (BI) that leads to priceless Consumer Intelligence (CI).

FAST FLEXPay is built on a lightning fast framework to deliver instant access and reporting options to your agents in real-time.

RETENTIONFLEXPay uses Tungsten’s proprietary technology to reduce lapses with both powerful consumer engagement tools and effective decline salvage systems.

COST-EFFECTIVE, RELIABLE, EASY ADOPTIONFLEXPay is configured to meet industry compliance requirements as an automated, bulletproof, system-to-system, end-to-end solution. No coding requirements, guaranteed integration with your legacy systems, and cost-neutral.

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NEXT: The Company

FLEXPay delivers the flexibility, transparency, and tools you need to capitalize on the new opportunities that come with managing millions of accounts.

THE COMPANY

Tungsten Revenue Consultants (and Tungsten Solutions) harnesses the power of technology to turn bright ideas into revenue.

Tungsten delivers turnkey, patented, enterprise-grade consumer management, monetization and retention solutions, by leveraging the most cutting edge world-class technology on your behalf.

Tungsten’s proprietary technology facilitates back office commerce and transaction processing for financial institutions, retailers, and direct to consumer commerce. Our unique expertise and software solutions in tandem with our high-tech, user-friendly tools ensure your clients are served efficiently and effectively.

Whether you have twenty thousand or twenty million customers, Tungsten can help.

Tungsten delivers:

• enterprise-grade billing engines• certified PCI-compliant international merchant banking solutions• tailored dashboards and Business Intelligence (BI)• flexible integration with legacy in-house systems• in-depth, progressive risk analytics• intuitive customer service software that tailors scripting on the fly• proprietary big data analytics compiled from tens of millions of consumer data points

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Published in February 2015© 2015 Tungsten Solutions

Let’s talk.

SALES + BUSINESS DEVELOPMENT Will Harcourtwharcourt@tungstenrev.com(610) 717-7854

TECHNOLOGY Darryl Hicksdhicks@tungstenrev.com(855) 7-DARRYL (732-7795)

USA Tungsten Solutions4400 S. Monaco Street, Suite 821Denver, CO | 80237www.tungstenrev.com

CanadaTungsten Revenue Consultants297 St Paul West, Suite 007Montreal, Quebec | H2Y 2A5www.tungstenrev.com