Quote
Quark
The whole portfolio priced before the customer finishes talking
Quark runs your full product shelf against a single applicant profile, optimizes riders against the customer's stated budget, and returns a ranked, explainable set of structures in under a second.
Interactive demo
Watch Quark work a real case.
Step through it one action at a time. Nothing here is a mock-up of a chat window — these are the actual stages of a run, including the checks that happen before anything visible occurs.
A $180/month budget, a family of four, and eleven eligible products
A 38-year-old non-smoker in Texas, married, two dependents, states a comfortable budget of $180/month and asks 'what can I get for that?' — the question that normally produces a callback.
Full transcript & decision trace
The part most vendors don't show you.
The verbatim conversation plus the reasoning trace behind it: rules fired, thresholds crossed, costs incurred, and every decision the agent deliberately refused to make.
What it's for
The problems Quark exists to solve.
Producers quote what they remember
Under time pressure, a producer quotes the two or three products they know well. The rest of the shelf never gets priced.
Riders are an afterthought
Rider attach happens at the end of a conversation, if at all — which is why attach rates sit far below what the book could support.
Requoting is expensive
Every 'what if we changed the term' costs a round trip. Customers get two options instead of six.
Capabilities
What it actually does.
Full-shelf pricing
Every eligible product, term, and face amount priced in parallel against one normalized applicant profile.
Rider optimization
Solves rider combinations against the customer's stated monthly budget rather than defaulting to the base policy.
Budget-anchored structuring
Given a target premium, works backward to the best coverage structure instead of forward from a product.
Explainable ranking
Each structure carries a plain-language rationale a producer can read aloud.
Instant requote
Parameter changes re-price the whole set in the same sub-second envelope.
- Rating engines
- Policy admin
- Illustration systems
- Agent portal / CRM
- Carrier product tables
- Quotes are indicative until underwriting confirms; every output is labeled as such.
- State product availability and suitability rules applied before pricing, not after.
- No quote is returned for a product the applicant is ineligible for — silence rather than a bad number.
- Rate table version stamped on every quote for reconciliation.
Human handoff: Structures above the automatic threshold, or any suitability flag, route to a producer with the full comparison attached.
Questions
Straight answers.
Is a Quark quote binding?
No. Every structure is indicative and stamped with the rate table version; underwriting confirms the final number.
Does it work across multiple carriers?
Yes — for brokerages and MGAs, Quark prices the appointed carrier set and ranks across all of them.
How does it decide what to recommend?
A stated objective function — coverage-per-dollar adjusted for dependents and existing coverage — not an opaque preference. The objective is yours to set.
Keep going
The rest of the roster.
Orion
The always-on voice agent for outbound and inbound calls.
Atlas
Reads the file, runs the risk, books the clean cases.
Kairos
Pays the clean claims fast, escalates the rest in under 90 seconds.
Echo
Predicts churn 60 days out and acts before the lapse.
Sentry
Watches every agent action and builds the audit trail.
Vesta
Closes tier-one service cases instead of deflecting them.
Meridian
Runs the escalation while the human makes the judgment call.
Bedrock
Turns the submittal and RFI log into a schedule early-warning system.
Keystone
Assembles change order entitlement and turns inspections into proposals same day.
Anchor
Calls every foundation inquiry in seconds and books the inspection.
Ridgeline
Plans the inspection and production boards together, and re-plans them when the day breaks.
Slate
Turns inspection notes, photos, and measurements into a priced proposal before the inspector leaves.
Run Quark against your own workflow.
Bring us one process and a number attached to it. We'll tell you whether an agent moves it.