iQSM™ global reserve funding protocols​ render conventional funded employee benefit plans uncompetitive and provision - portable multi-line secured - fixed zero interest rate - payroll deducted home loan and healthcare bundles with no client line fees on-demand.

-  global

-  smart reserve system

-  social contract regulated ecosystem

iQSM™ underwrites​​ intelligent reserve multiplier returns for all - full-client-life-cycle bonded and social contract regulated, SME and

large scale businesses - from one to an unlimited number of employees.  iQSM™ locks-down all forward-looking benefit plan rights.

IQSM | Global Benefit Plan System |