Insurance Companies and Fortune 500 organizations have used the RAF INDEPENDENT MARKETING POWER organization to growth through innovation in what is currently a structured and transformation thirsty global market. Our proven skills on needs detection works at all levels of the life insurance industry, including some related or supplementary diversified financial products. Our business cluster represents a concentration of interconnected and fully owned companies, working together to test the introduction of new insurance products using our resources on a limited scale and in selected test markets. Using our own company we produce advanced data analytics and surveys to solve the needs puzzle and we design the new models of interaction with the leads and the process to have the lead converted into a prospect. Our product designers and actuaries work having the detected need of the potential customer in mind; targets already detected and qualified as fitting in the new criteria to be introduced. Once the new product is ready and filed, we create a real life mini – business case, to test the marketing and sales process, using our exclusive career agents and our in – house professional tele center. Sales start flowing to our own insurance carrier, where we recollect up to a year of experience with real policies in force. Some of our new ideas are then proven successful and the tested prototypes introduced to bigger organizations that add the new product in to their portfolio without going blindfolded or taking unnecessary risks. Big companies time and money are extremely valuable, and we help them to no waste their resources. We are usually compensated through a permanent override commission on sold and collected sales. Our clients trend to see us a primary source of inspiration and a trusted platform for evaluation.