The IQ Network system is web-based and developed using ASP.Net. The technology allows Oxonia agents to qualify clients in as little as five minutes for several different carriers such as GoldenRule, Humana, Assurant, United American, GTL, Globe Life, Intelicare, and more. Conditional exclusions for each of these carriers are built into the system so that the agent immediately knows for which plans their client will likely be underwritten. This allows Oxonia to provide their clients with the piece of mind that the plan that they submit an application for has a 90% chance of being accepted by the carrier.