WinFlex Multi-Carrier Life Insurance Illustration Software
WinFlex gives insurance distributors, BGAs, and advisors one platform to generate and compare life insurance illustrations across participating carriers. Access 300+ products from 40+ carriers, support advanced case designs, and carry illustration data into connected application workflows.
WinFlex carriers and products
Agents can model advanced strategies, including split-dollar and executive compensation planning, and generate illustrations offline when they need to.
Benefits of WinFlex
Illustrate complex life insurance products with speed and precision
A centralized illustration engine runs hundreds of life and annuity products across participating carriers, including advanced strategies and high-net-worth scenarios, from a single interface. WinFlex presents the results; the advisor and their firm own the product decision.
Reduce the complexity of multiple carrier tools
Advisors spend less time logging into separate systems or learning different carrier-specific processes, because product selection and input fields are normalized across carriers.
Cover more of the business in one workflow
WinFlex supports life insurance, annuities, disability insurance, and long-term care, with products such as term, whole life, current assumption UL, IUL, VUL, hybrid LTC, traditional LTC, and annuities.
Support custom illustrations and advanced planning
Detailed modeling of riders, premium structures, and policy performance lets advisors tailor solutions to each client, built on each participating carrier’s approved illustration logic and output formats. Product availability varies by carrier and state.
Improve oversight with integrated controls and auditability
Firms can set permissions, restrict product access, and review illustration history across their advisor base, supporting compliance and reducing training time.
Illustration sales reporting with WinFlex Analytics
Every illustration run through WinFlex produces two kinds of data: what the advisor and client put in, and what each carrier’s engine calculates back out. That data already builds the illustration PDF. WinFlex Analytics turns the same data into a daily view of sales activity, without a separate reporting system to stand up.
Your sales activity, visualized.
- Cases in flight
- Products being run
- Who they’re being run for
WinFlex deployment options
Web-based access
Run multi-carrier illustrations directly from a browser.
API-based delivery
Embed illustration capabilities directly into a partner’s own digital experience.
Channel-specific experiences
Workflows tailored to how different producer types actually work.
WinFlex vs. carrier illustration tools
Comprehensive carrier coverage
Single-platform access to 40+ participating carriers reduces the need to navigate separate carrier systems for product research and illustration generation.
Offline functionality
Illustrations can be generated without an internet connection, which matters in client meetings where connectivity isn’t guaranteed.
Advanced planning capabilities
Support for sophisticated strategies, including split-dollar and executive compensation planning, extends WinFlex to high-value, complex cases.
Integrated workflow
A connection to processing systems like LifeSpeed carries supported illustration data forward into application submission, reducing re-entry. Which fields carry forward depends on the carrier, product, and integration.
Built-in sales visibility
WinFlex Analytics turns the illustration activity already running through the platform into a daily, visualized view of cases in flight, products being run, and who they’re being run for, with no separate reporting system required.
WinFlex FAQ
What is WinFlex?
WinFlex is Zinnia’s multi-carrier illustration platform for life insurance, disability insurance, long-term care, and annuities. It runs illustrations using each participating carrier’s approved logic, across 300+ products from 40+ carriers, from a single interface.
How is WinFlex different from VitalQuote?
VitalQuote compares premiums and product features before a sale. WinFlex builds the illustration itself, using each carrier’s approved illustration logic, after a product has been selected. Captured data can pass from VitalQuote into WinFlex to avoid re-entry.
Does WinFlex work without an internet connection?
Yes. WinFlex can generate illustrations offline, which matters in client meetings where connectivity isn’t guaranteed.
What is WinFlex Analytics?
WinFlex Analytics turns the data already captured during illustration work, both what’s entered and what each carrier’s engine calculates back, into a daily, visualized view of cases in flight, products being run, and who they’re being run for.
Does WinFlex connect to other systems?
WinFlex integrates with processing systems like LifeSpeed, so supported case and illustration data can carry into application submission. Field coverage depends on the carrier, product, and integration in use.
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Start with the carriers and products your advisors already illustrate, then see how WinFlex brings them into one workflow, with WinFlex Analytics showing what’s running and for whom.