Let’s Get Paid!
Express Quote: Click the Policy type below
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
Quoting: iPhone Mobile App +
iPhone App for Quoting: Aetna App Store
Quoting & E-App: http://insuranceapplication.com
Quoting: https://www3.mutualofomaha.com/mobile-quotes/#/home
iPhone App for Quoting: Mutual of Omaha Quoting App
Quoting: http://aig.com/giwl
E-App: http://aig.com/giwl
Step 1/4 | Financial Inventory
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 AmAM…., and so on.
TOP 10 reasons for Final Expenses:
TOP 10 reasons For Mortgage Protection:
TOP 10 reasons for Final Expenses:
TOP 10 reasons For Mortgage Protection:
STILL NEED HELP UNDERWRITING?
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 4-8% of their monthly NET income (After taxes) to make sure it is affordable on a monthly basis.
Step 4/4 | RUN AN APPLICATION
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:
“$247/ mo F&G”
if you write multiple apps, explain the sale details.
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”
