A method for supporting communication among avatars representing users in a virtual world shared by a plurality of users’ client terminals and a server connected with each other through a network. The flash deposition step may be performed for a fixed process time so that less effort in process control is required while, at the same time, an increased reliability may be obtained compared to conventional approaches without a flash deposition. If a read operation is performed and column current is detected, a high-efficiency recovery operation is performed. The method further includes synchronizing the emulator program and the mobile device such that the emulator program imitates in real time the functions and display of the mobile device. So configured, these teachings further support using the insurance product model and the supplemental policy-specific data to facilitate an insurance-related action.