My name ist Markus Graf. I am the Managing Director at finanzsoft and vl360, two innovative companies that offer software/digital solutions as well as product and marketing expertise for the finance and insurance industry. I have been working in this industry for over 25 years and have extensive experience and expertise in software development, sales management, product design and customer service.My goal is to provide my clients with high-quality, customised products that meet and exceed their needs and expectations. With vl360's digital, tax-efficient investment insurance bond for Germany, I have developed a unique product that combines the advantages of investment and insurance in one product and successfully placed it on the market. With the innovative FMS4.0 software from finanzsoft, I support my customers in the digitalisation of their products such as PPLI products - unit linked insurance products with open architecture and high flexibility -, from the preparation of offers to portfolio management. I am proud to enable and improve these solutions with my team and my partners.