LET’S GET PAID!
FFL Victory Lap Agency
e-App Links
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Underwriting Cheatsheets
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Financial Inventory
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Quoting Software
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e-App Links 🏁 Underwriting Cheatsheets 🏁 Financial Inventory 🏁 Quoting Software 🏁
Express Quote: Click the Policy type below 👇
Americo -
Quoting: http://quote.americo.com
Term (HMS/CBO) E-App: http://sc.americo.com
Final Expense (Eagle Premier Text Sign) E-App: http://tools.americoagent.com
Prosperity -
Quoting & E-App: http://insuranceadmin.com/agent
Aetna -
Quoting: iPhone Mobile App +
iPhone App for Quoting: Aetna App Store
E-App: http://aetnaseniorproducts.com
American Amicable -
Quoting & E-App: http://insuranceapplication.com
Mutual of Omaha -
Quoting: https://www3.mutualofomaha.com/mobile-quotes/#/home
iPhone App for Quoting: Mutual of Omaha Quoting App
E-App: https://accounts.mutualofomaha.com/
AIG (American General) -
Quoting: http://aig.com/giwl
E-App: http://aig.com/giwl
Step 1/4.
The Financial Inventory should be used in every home and/or virtual sale appointment. Fill out the ENTIRE inventory to get an idea product works best in that particular situation.
This is where you will collect your client’s beneficiary Name, their “Why / Reason” for getting life insurance, Personal information, and health questions.
Make sure to leave NO BLANK SPACES. FILL OUT THE ENTIRE FINANCIAL INVENTORY; it is your ammunition required to deliver the best policy options available.
Step 2/4.
Underwriting
Cheatsheets & Medication ✓
After you fill out the entire Financial inventory (this includes the health section), it’s time to start looking at the underwriting options.
QUOTING TOOLS ARE FOUND BOTH ABOVE AND BELOW THIS SECTION.
*NOTE: If the client is completely healthy, there’s a great chance you can find an AMERICO product that fits their needs and budget.
If you discover the client has Health Illnesses / Conditions, use the Underwriting Cheat Sheets (buttons below👇) to see the approval chances based on the client’s current health status.
*PRO TIP: The Underwriting Cheatsheets are in order of which Carrier is suggested (Read from left to right)
For example: For a Burial/Final Expense quote, you should lead with Americo.
If they don’t qualify- check Aetna/CVS… then Prosperity… then AmAM…., and so on.
⬆️⬆️ This is an example of an underwriting cheatsheet. This will come in clutch for underwriting decisions!
STILL NEED HELP UNDERWRITING?
First, fill out the entire Financial Inventory. Leave no blank spaces.
Using the Discord APP, USE THE UNDERWRITING GENIE to type in the age and health condition(s) of your clients so the team can help guide you to the right product to place your client in real-time. (See Reference photo.)
Still stuck? Need help closing the client? Reach out to your uplines via phone call or text. Sometimes a simple phone call is all you need!
Use the Cheatsheets, Drug Checklist, Discord, and the TELERGRAM chat until the underwriting process becomes second nature. Your uplines are just the cherry on top.
Step 3/4:
Get Policy Quotes / Options
Most agents typically leave three options (Bronze, Silver, Gold) and let the client choose the best policy. You’ll be surprised how often “the middle option” is picked.
Rule of thumb: Quote the client a policy that is around 4-7% of their monthly NET income (After taxes) to make sure it is affordable on a monthly basis.
Last Step (4/4):
RUN AN APPLICATION!
⬇️ Electronic Applications [E-app] Links below
(Click the desired Carrier. 👇)
AFTER EVERY CLOSE:
🎉 Submit Your Sale On Telegram!!! 🎉
As soon as you get done with the sale, post the monthly premium and the name of the carrier you wrote. Some agents even take pictures with clients!
Make sure to get in the car first; don’t do it in front of a client! 🤪
Post under the “sales-results-daily” thread
Example 1:
“ $147/ mo Prosperity New Vista”
if you write multiple apps, explain the sale detail.
Example 2:
“ His & Hers “
$214.13 / month Americo CBO100 his
$78.50 / month Aetna/CVS hers
Example 3:
“ Mom and Kid”
$128.46 / month MoO (Mutual of Omaha) Living Promise
$17.95 / month MoO children’s whole life”