In conjunction with Q Capital Strategies and Berkshire Settlements, ClearLife has developed a new standard for case information exchange, called the Common Case Standard or “CCS”. The CCS is intended to provide a uniform representation of insured, policy and illustration information within a case. It establishes a standard XML schema which describes the contents of a typical case file; XML files generated using this schema can be sent by whatever means the user prefers to other market participants.Document identifiers can be included within the XML file, allowing secure downloads of these documents by the recipient. The XML schema also includes MD5 hashing, allowing recipients of cases to verify the integrity of the XML file upon receipt. The CCS can be implemented in several different ways, at the discretion of the user, to allow for varying levels of security and privacy protection, both within the data structure and the linked documents.