VisioNova

Module One — Illustration & Calculation

Turns product definitions, rate tables and customer inputs into accurate, multi-year financial projections.

• Year-by-year projections over a configurable horizon — surrender values, cash values, death benefits, accumulation and custom outputs
• Formula-driven, not hard-coded: new products and rate changes are configuration, not a release
• Rate tables uploaded from Excel, versioned, snapshotted at calculation time, looked up with interpolation
• What-if scenario comparison side by side
• Retention and competitiveness scoring across persistency, profitability, competitiveness and suitability
• Branded PDF with charts, Excel export, and bulk batch runs with progress, retry and consolidated download

Module Two — Content & Compliance (CCMS)

Governs every word that surrounds the numbers — the disclosures, clauses, terms and explanatory content that regulators care about.

• Reusable, versioned content blocks: text, rich-text clauses, tables, images, HTML, structured data, placeholders
• Hierarchy and inheritance — global → product type → product → template version, with replace, append, prepend, merge or disable overrides
• Document assembly into finished PDF/HTML/DOCX with conditional logic and render-time placeholders
• Version diff and safe rollback; impact analysis and orphan management
• Inline comments, @mentions, subscriptions and notifications for author–reviewer–compliance loops
• Multi-language management with AI-assisted translation, plus faceted full-text search

Content suggestions

Recommends relevant or mandatory blocks while a document is being assembled.

Natural-language authoring

Generates draft content blocks — and draft assemblies — from a plain-English description.

Proactive compliance

Predicts likely compliance issues before a document is published.

Regulatory intelligence

Scans regulatory sources and drafts candidate compliance rules from detected changes.

Assisted translation

First-pass translations that human reviewers then approve.

Semantic search

Vector embeddings power similarity and meaning-based content discovery.

Life insurance carriers

Challenge: accurate, reproducible illustrations across a large product catalogue, with every disclosure compliant against evolving regulation.

The illustration engine generates projections from configurable templates and versioned rate tables; the CCMS ensures each illustration carries the correct, current, approved disclosures — and the compliance engine proves it. Regulatory changes are tracked, assessed for impact, and rolled out without breaking in-force documents.

Brokers, agencies & distribution

Challenge: comparing products for clients quickly, at scale, with branded, trustworthy output.

What-if comparisons and retention/competitiveness scoring support the advice conversation; bulk processing generates large volumes of illustrations; branded PDF and Excel output is client-ready; API and connectors push results into CRM workflows.

Banking, wealth & financial services

Challenge: projection-based products — savings, annuities, structured products — need precise, auditable calculations and tightly governed customer documentation.

The formula engine handles present and future value, annuities and compounding; the CCMS governs terms and disclosures; the immutable audit ledger and ABAC satisfy internal controls and external audit.

Regulated enterprises & InsurTech platforms

Challenge: producing regulated, versioned customer documentation at scale — or embedding illustration into someone else's product.

VisioNova runs as a standalone CCMS for utilities, healthcare, pensions and telecoms. For platform providers, multi-tenancy, per-tenant API keys, rate limiting, webhooks and the developer portal make it consumable as an embedded engine.