Frequently Asked Questions

Unlike general-purpose office tools adapted for insurance, The Marathon System was built from the ground up specifically for independent insurance agencies. Every feature, workflow, and report is designed around the way insurance professionals actually work — including client tracking, policy management, document storage, and premium financing. There is no need to configure a generic platform to fit your industry.

Khojant LLC is the technology company that powers The Marathon System. With decades of deep expertise in insurance technology, Khojant LLC develops and supports the Agency Management and Premium Financing software that agencies across the country rely on every day.

Yes — we offer personalized demos for agencies interested in either or both products. Contact our team at 708-361-0001 or fill out our contact form to schedule a demo at a time that works for you. We'll walk you through the platform with your agency's specific needs in mind.

We offer straightforward monthly subscription pricing with no long-term contracts required. Pricing is based on the number of users at your agency. Because every agency is different in size and needs, we provide custom quotes rather than one-size-fits-all pricing. Contact us or call 708-361-0001 for a quote tailored to your agency.

No. Agency Management and Premium Financing can be purchased separately or together. They are designed to integrate seamlessly when used together — sharing client data to eliminate duplicate entry — but each product also works independently as a standalone solution.

Agency Management gives you a complete cloud-hosted platform to manage:

• Customer profiles and policy history
• Documents, applications, and correspondence
• Company statements and bank accounts
• Renewals and expiration tracking
• Team productivity and workflows
• Reporting and agency performance analytics

Yes. The platform is fully cloud-hosted and supports multi-user access, so your entire team can log in and work simultaneously from any device — whether they're in the office, at home, or on the road. Role-based access controls let you manage what each user can see and do.

Yes. Our team assists with data migration from most legacy agency management platforms. During onboarding we'll review your current system and determine the best migration path for your data. Most agencies are fully set up and operational within one business day.

The Marathon System is a cloud-hosted office platform that runs alongside your carrier portals — it does not replace them. Since everything runs in a browser, you can easily switch between your carrier portals and The Marathon System in the same session. Contact us to discuss any specific integration requirements your agency has.

Absolutely. The Marathon System is highly customizable. You can configure fields, views, and processes to match how your agency works rather than forcing you to adapt to rigid software. This flexibility is one of the reasons agencies have trusted us for over 40 years.

Premium financing allows your clients to pay their insurance premiums in installments rather than one lump sum. As the financing agent, your agency earns income from the finance agreements — generating additional revenue from clients you already have, without needing to add new ones. It's one of the most effective ways for independent agencies to grow their bottom line.

Premium financing is legal in most U.S. states, but regulations, licensing requirements, and disclosure rules vary significantly by state. We strongly recommend consulting:

• National Association of Insurance Commissioners (NAIC) — naic.org
• International Premium Finance Association (IPFA) — premiumfinance.org
• Your state's Department of Insurance for state-specific licensing requirements

Our team can also help you understand the requirements in your state during your onboarding consultation.

Licensing requirements vary by state. Many states require a specific premium finance company license to offer financing directly. Others allow agents to operate under different frameworks. The NAIC and your state's Department of Insurance are the authoritative sources for your state's requirements. We recommend consulting a licensed insurance attorney if you are unsure.

With The Marathon System's Premium Financing platform, new finance agreements can typically be created and processed the same day. The system handles documentation, payment scheduling, and automated billing — so your team spends time on client relationships, not paperwork.

The two products share a common client database. Customer records entered in Agency Management are immediately available in Premium Financing — eliminating duplicate data entry and giving your team a complete view of every client relationship in one place. Both products run in the same cloud-hosted environment under a single login.

Yes. Your data is automatically backed up on a daily basis. Backups are encrypted and stored securely. In the event of any issue, our team can restore your data quickly with minimal disruption to your agency's operations.

We use enterprise-grade encryption for all data both in transit (SSL/TLS) and at rest. Our infrastructure is hosted in secure, redundant data centers. Access to your agency's data is controlled through user authentication and role-based permissions, so only authorized team members can access sensitive information.

Because The Marathon System is fully cloud-hosted, an internet outage at your office would temporarily limit access from that location. However, your team can continue working from any other internet-connected device — such as a mobile phone, tablet, or home computer — without any data loss or interruption.

The platform works on any modern web browser (Chrome, Firefox, Edge, Safari) on any device — desktop, laptop, tablet, or smartphone. No software installation is required. As long as you have an internet connection and a supported browser, you have full access to your agency's data.

Most agencies are fully onboarded within one business day. Our team handles the technical setup and configuration, assists with data migration from your existing system, and personally walks you and your staff through the platform. We stay available throughout the onboarding process to answer questions and ensure a smooth transition.

You can opt in by checking the SMS consent checkbox on our contact form. By doing so, you agree to receive text messages from Khojant LLC / The Marathon System at the phone number you provided. Consent is never required to purchase or use our products.

Reply STOP to any text message from us at any time. You will receive one final confirmation message and no further SMS messages will be sent. To re-subscribe, reply START. For help, reply HELP or contact us at 708-361-0001.

You will only receive messages directly related to your inquiry or account, including:

• Responses to inquiries submitted through our contact form
• Product information, demos, and pricing details you requested
• Follow-up communications about Agency Management or Premium Financing
• Appointment reminders or onboarding information

We do not send bulk promotional SMS blasts.

No. Mobile opt-in data and consent records are never shared with, sold to, or transferred to third parties for their own marketing purposes. Your information is used solely by Khojant LLC / The Marathon System to communicate with you directly. See our full Privacy Policy for details.

Message and data rates may apply depending on your mobile carrier plan. Khojant LLC is not responsible for any charges incurred by your mobile carrier. Contact your carrier for details about your plan's messaging rates.