Financial Checkup
The public front door. Capture the intake, surface the next lane, and keep every step explicitly educational until a human needs to take over.
New York life and health intake flow
Turn the first click into a signed packet without turning advice over to the machine.
VSF now runs the smooth parts end to end: public intake, neutral option presentation, client self-selection, signature routing, producer countersign, and proof storage. The system still stops short of autonomous recommendations, quotes, and carrier underwriting.
Inbound
Public landing page, attribution-aware intake, compliance disclosures, route decision, and appointment handoff if the case needs a producer before self-service can continue.
Marketplace
Clients see objective product lanes only: coverage band, product type, issue style, and signature path. No ranking, no “best for you” badge, no pre-checked recommendation.
Closeout
Client signs their own packet, the producer countersigns, and the proof bundle lands in the archive so the audit trail is preserved.
Producer Workbench
Review intakes, launch packets for producer-reviewed cases, countersign client packets, and track archive references without leaving the queue.
Partner + Referral Ops
Carry referral attribution all the way through the funnel so inbound and outbound reporting still ties back to the source relationship.
Compliance boundary: this application does not issue quotes, recommend specific policies, perform underwriting, or replace the carrier or IMO e-app system. It presents available lanes neutrally, records client choices, and routes the final attestation to the licensed producer.