“A One Stop Life Insurance Resource.”

eApp, eDelivery & Straight-Through-Processing

eApp, eDelivery & Straight-Through-Processing

Equisoft Apply

Effortlessly Enhance Your Application Process

 

Instead of entering in dummy forms, have your agents enter an engaging sales flow completely defined by you.

Equisoft/apply is an easy to use, sales flow oriented wizard for electronic insurance applications resulting in fast and seamless policy approvals.

We Are The Solution You’ve Been Waiting For

Covr Consumer provides a turnkey AI guide insurance platform for consumers of major financial brands. Covr offers a fast and personalized experience with a wide variety of products from leading insurance companies and Omni channel support, the Covr consumer is fully tagged and seamlessly integrates into a financial brand consumer experience, allowing Consumers buy insurance products from a name they trust. The consumer platform can be customized with the brand, logo and colors of each financial institution.

Covr Consumer Product Info coming soon

Visit sureify.com/lifetime-acquire/ to learn more.

Sureify’s Lifetime Acquire is a configurable eApp that allows potential policyholders to research, quote, apply and buy your products on any channel at any time. It powers direct-to-consumer, call center and advisor sales with easy-to-use features like accelerated underwriting capability and automated processes. With LifetimeAcquire’s low code functionality,  configuring questions, workflows and UI elements are simple, and non-technical so that any carrier can continually drive sales.

In addition, LifetimeAcquire takes application processes and follow- through directly to your customers with our OnTrack feature. With web and mobile status tracking, applicants can follow along and follow up where they need to; getting missing signatures, scheduling medical exams, if needed, and smoothing out the entire underwriting process, accelerated or otherwise. This can net you higher placement rates, better customer experiences, and guaranteed in good order applications. LifetimeAcquire smoothly takes applicants from questionnaire to contract making the entire application and buying process for life insurance and annuities intuitive and easy to understand.

Visit illustrateinc.com/eapps to learn more.

ApplicInt’s ExpressComplete

Leading provider of technology used to complete an insurance application digitally.  Fully customizable software that plugs into the platforms used by sales distributors, call centers and paramedical examination companies.  We are the technology company that can deliver modern technology with speed to market at a cost that is often a fraction of what competitors charge.

ApplicInt offers a complete suite of electronic application fulfillment products.

ExpressComplete is the easy to use Drop Ticket with integrated features, such as, health analyzer, call scheduling and real-time exam scheduling.  CallComplete is the most flexible application fulfillment platform used by distributors and 3rd party call centers.  Customizable part A/B reflexive questions ensure cases are 100% in good order – equals placing more business!  ExamComplete the “Number 1” digital paramed platform used by the top Paramedical Vendors in the industry like APPS, ExamOne and IMS.  The only platform that facilities the examiner’s ability to collect missing part A information with a proprietary solution to collect digital Special Authorizations to reduce cycle time attributed to APS health record acquisition.

Visit ApplicInt Product Info to learn more

iPipeline iGO®

iGO® is the industry-leading e-Application and your one-stop-shop to complete, sign, and submit applications, with the guarantee that they are in good order. All applications, associated riders, or attachments you might need are in one place. By submitting your applications electronically, rather than on paper, iGO users are experiencing cost reduction of over $100 per application.

Visit iGO Site to Learn More 

Quote & Apply

FREE Life Insurance Quoting Software

Are you looking for a free life insurance quoting engine? How about your own life insurance quoting website? How about a free life insurance quoting engine for your website? BackNine offers licensed insurance agents Quote & Apply absolutely free. Quote & Apply is the first and only multi-carrier consumer facing life insurance quoting and eApplication software. Quote the most amount of life insurance product types and complete the eApplication using DocuSign in just a few minutes.

Insurance Technologies FireLight

FireLight e-Application capabilities with robust platform features provide carriers and distributors the flexibility and tools to advance the way advisors engage clients and capture business while simplifying back office business processes.

 

Visit FireLight Site to Learn More 

Ebix LifeSpeed

Improve and expand the flow of your life insurance application processing by replacing paper-based hurdles with the speed and efficiency of online, Straight Through Processing automation – the LifeSpeed Platform – from EbixExchange USA. The latest technology available for insurance application processing, LifeSpeed is the new innovative means by which, BGAs, IMO’s, broker/dealers, producer/ agents, and other distribution channels can connect with – and process the sale of – products available from insurance carriers.

 

Visit LifeSpeed Site to Learn More 

ePolicy Delivery

Our industry first saw the introduction of electronic policy delivery back in late 2008 when Westcoast Life and AIG offered a simple way to digitize the process. Since then a number of insurance carriers have followed suit in building solutions of their own.  Although ACORD has developed a “guideline” to help carriers and vendors communicate there is no fully developed standard which leaves much to interpretation between parties creating these offerings.  Several industry groups actively push for further eDelivery standards and higher adoption by both carriers and distributors, these include ACORD, LIMRA, LBTC, and LDMIA to name a few. Currently there are three vendors leading the charge to offer multi-carrier solutions, each having their own unique benefits in how they service carriers and their distribution partners.  Roy Goodart 

Watch Video click here: iPipeline DocFast Video

DocFast® streamlines and improves the customer communication experience by securely delivering policies, prospectuses, supplemental documents, annual disclosures, etc. enabling receipt, review and electronic signature. DocFast can cut total the total delivery and signature process down to under 5 days.

Learn more on the DocFast Site

View 2 PDF DocFast documents below:

DocFast Product Overview

DocFast Info-Graphic 

Paperless Solutions Group – eXpedite

eXpedite offers a radically different approach to ePolicy and other document delivery with unlimited flexible workflows and the ability for both carriers and distributors to build their own business rules to manage their unique business needs differently. eXpedite gives carriers an easy and quick implementation path without needing to be PDF ready or following ridged standards.  eXpedite supports the ability to offer up-sell, other-than-applied-for, add-on and cross-selling options along with real-time policy reissue updates. Go to Paperless Solutions Group site to learn more: Let’s Talk 

 

There are 3 expedite documents – click below:

Insurance Technologies FireLight e-Delivery

FireLight® e-Delivery automates and accelerates the electronic delivery process of any policy, contract or document, delivering a complete and enhanced digital communication and sales experience for advisors and consumers. With robust back office support and features including multiple workflow delivery options, in-good-order delivery data collection, e-signature, and delivery status and audit trail, FireLight e-Delivery reduces time, labor and cost associated with manual delivery methods. Get life, annuity and other insurance and retirement policies and documents to clients faster and efficiently with FireLight e-Delivery. FireLight e-Delivery Site

 

Product Overview PDF click here: FireLight e-Delivery

Consumer Direct Insurance Tools

Generate Leads through this Consumer Direct Online Technology 24/7. Engage with your clients all in one with the Video Quoter & eApp for Life Term, Final Expense, ROP GUL and coming soon Medicare Supplemental Insurance!  If you are a BGA, offer CDIT Consumer Tools to recruit new Agents, Co-Brand with P&C Agents, Health Agents and Financial Advisors. Customize your videos and market in Social Media.

Learn more about Consumer Direct Insurance Tools (CDIT) at the InsurTech Express Storefront for CDIT.  Try out the tools for yourself on the InsurTehc Express SELF SERVICE DEMO page.

Term Life Straight Through Processing

Direct to consumer is one of the best examples of straight-through-processing (STP). Below are 2 great examples AccuQuote and Quotacy. There are many more direct to consumer sites you can check out as well. For these multi-carrier term quotes there are 3 models: Full underwriting, Accelerated Underwriting and Predictive Underwriting. Learn more about accelerated underwriting and predictive underwriting int he Life Underwriting section of InsurTech Express.  There is a straight through process that starts with a multi-carrier quote and then apply for life insurance online. Once the policy is issued the final stage of STP is eDelivery and in most cases it is driven by the carrier.  Check out the AccuQuote and Quatacy links below and walk through the consumer experience. Also, there is a high level process flow below on using predictive modeling showing term life insurance STP.  Ken Leibow 

ApplicInt’s ExpressComplete

Leading provider of technology used to complete an insurance application digitally.  Fully customizable software that plugs into the platforms used by sales distributors, call centers and paramedical examination companies.  We are the technology company that can deliver modern technology with speed to market at a cost that is often a fraction of what competitors charge.

ApplicInt offers a complete suite of electronic application fulfillment products.

ExpressComplete is the easy to use Drop Ticket with integrated features, such as, health analyzer, call scheduling and real-time exam scheduling.  CallComplete is the most flexible application fulfillment platform used by distributors and 3rd party call centers.  Customizable part A/B reflexive questions ensure cases are 100% in good order – equals placing more business!  ExamComplete the “Number 1” digital paramed platform used by the top Paramedical Vendors in the industry like APPS, ExamOne and IMS.  The only platform that facilities the examiner’s ability to collect missing part A information with a proprietary solution to collect digital Special Authorizations to reduce cycle time attributed to APS health record acquisition.

To learn more about ApplicInt’s Life Insurance Solutions click here: ApplicInt Product Info

Quote & Apply

FREE Life Insurance Quoting Software

Are you looking for a free life insurance quoting engine? How about your own life insurance quoting website? How about a free life insurance quoting engine for your website? BackNine offers licensed insurance agents Quote & Apply absolutely free. Quote & Apply is the first and only multi-carrier consumer facing life insurance quoting and eApplication software. Quote the most amount of life insurance product types and complete the eApplication using DocuSign in just a few minutes.

Annuity Order Entry

Annuity eApp solutions commonly known as “AOE” was first introduced as early as 1998, however gained significant market traction around 2005 for Broker Dealers to submit business on Variable Annuities. These AOE platforms were then connected to the Depository Trust & Clearing Corporation (DTCC) to settle premium money from client brokerage accounts and net commissions. DTCC also provided many other insurance and retirement services such as subpays on annuities, position & valuation files, and automated financial advisor licensing services. Over the years, these platforms expanded into the Financial Institutional Channel (FI) being used by banks, clearing houses, independent broker dealers and most major wire houses.  The FI distributors use these platforms for compliance review workflow, suitability analysis, subpays, and annuity maintenance. As the annuity market changed, fixed and indexed annuity products were added to the AOE platforms. Also in recent years there has been an attempt to sell a simpler version of these AOE platforms to other distribution channels. Ken Leibow 

AFFIRM® for Annuities utilizes a wizard-based approach to streamline order entry and reduce rework and Not in Good Order transactions for both fixed and variable annuity products. Fully compliant both internally and externally, AFFIRM for Annuities utilizes the ACORD product profile, allowing carriers to provide financial institutions all of their product rules electronically, using a standard method.

Click here: Affirm for Annuities Site 

Ebix AnnuityNet

Designed to increase annuity sales and reduce compliance risk, AnnuityNet is more efficient, more appropriate, and allows more successful transactions – at a lower cost than manual, paper-based systems. Insurance carriers report an in good order rate somewhere around 90% – often achieving 98%. These quick and simple transactions that fully meet all compliance criteria – frees sales reps to focus on servicing their clients and building their business.

Click here: AnnuityNet Site 

Insurance Technologies FireLight

FireLight® is a multi-carrier sales platform that delivers a suite of interconnected sales components that transforms the way insurance, retirement and investment products are marketed, sold and supported. Built from the ground up, FireLight provides a configurable, cost effective solution to implement and manage, while offering a consistent user experience and shared data from account opening to illustration through e-application and post-sale services. FireLight delivers unique flexibility along with a powerful rules engine, built-in e-signature, robust API capabilities and self-managing tools, efficiently supporting various lines of business, workflows and sales processes. Create cohesive sales experiences for your advisors and consumers with FireLight Sales Platform.

Click here: FireLight Site

Digitize Handwritten Insurance Applications

Everybody talks about big data with many uses starting with predictive analytics, what you never hear is how do we create usable big data and that is PaperClip Mojo, where big data begins.

PaperClip Mojo is a new Platform as a Service born in Microsoft Azure Cloud combining leading-edge Artificial Intelligent with Crowd Sourcing for Big Data processing. The ability to transcribe, translate and the interpretation of Big Data faster and more accurate than ever before is a “Game Changer”.

Cloud computing turns what took hours and days into seconds and minutes. Machine Learning and Deep Learning technologies makes possible for new and improved computer processing. Crowd Sourcing reaches a global workforce enabling Six Sigma quality, polling or feedback and Machine training when needed to improve accuracy and add new capabilities never experienced before.

The capability to transform Big Data into usable data like handwriting from paper to usable data, translate audio to text or tap human responses provides new opportunity to reduce cost or add new information sources to provide a competitive edge.

New opportunities include multi-media interpretation into data allowing information never seen before used as a competitive advantage. Imagine now Realtors can send pictures to a Crowd Source group to capture room color, type of floor, how many windows, kitchen sink style and more. Working this data with predictive analytics can now show which homes may sell quicker and for more money.

Companies challenged with Machine Learning or Deep Learning solution where there is no existing training data, tapping a Crowd-Source is quick and the most affordable way to teach. When Six Sigma quality output is required, people on the fringe of the assembly line are continually looking for and correcting defects. Poll a Crowd-Source and collect data about pictures, videos, documents. Mojo is the choice when you need security, accuracy, turnaround time and economics.

View or Download the Mojo Product Overview document click here: Mojo Product Document

Schedule a demo with PaperClip click here: Mojo Site

PaperClip Mojo Updates June 4, 2019

Symetra

A new addition to the Mojo list of carriers.

New Mojo Easy Portal Options

There are now more options to help process your business:

  • New Business – Formal App Pack (Standard Mojo Process)
  • Informal Business
  • Existing Business (AMS ID required)

Mojo can process your Informal Transmittal to setup the Informal record in your AMS.  Other documents such as an APS, Lab Slips etc. can be passed through to the VCF folder.

“Existing” allows for the submission of additional documents for existing business.  Simply drop the document (s) into Mojo inserting the Application or Case ID and Mojo will send the documents (s) to the VCF Folder.

Something to think about…

What if the Mojo Easy Portal was provided to your field force or sub-offices for you to receive documents?  The case can be created in your AMS and the documents auto filed in VCF.

How do you get these great features?

Please contact mojo-admin@papercilp.com for details and setup.

Current Mojo Carriers

  • American General
  • AXA
  • Banner Life
  • Banner AppAssist
  • John Hancock
  • Lincoln Financial
  • Lincoln Life of NY
  • Mutual of Omaha LTC (SmartOffice Only)
  • PacLife East / Lynchburg
  • Principal
  • Protective
  • Protective TeleLife
  • Prudential
  • Symetra
  • WIlliam Penn

Carriers on Deck

  • Nationwide
  • North American

Carrier Form Libraries Supported

Did you know…

Forms processed by the Mojo Service:

Application part 1
Payment with Application
Medical Authorizations (HIV/HIPAA)
Temporary Insurance Agreements
1035 Exchange Forms
Replacement Forms
Accelerated DB Forms
Disclosures
Bank Draft
Questionnaires
Illustrations
Exams

Note: Documents can be dropped as one package (APPPACK)

Individual Forms may be dropped into Mojo and Doc typed per your selection from a drop-down menu and passed through to the VCF folder.

Mojo Easy Portal History

View your package history in the Portal.  You can view status by email address or all documents.

These Email Addresses are Important for you!

Service Issues

Mojo has its own Support email address. For any questions or issues, please reach out to 800-929-3503 or at mojosupport@paperclip.com.

Form Changes/Updates

If you know of any form changes and want to be sure we have the latest update, please send an email to mojo-admin@papercilp.com.  We appreciate your assistance!

Wish List

Here’s your chance to let us know your feedback and what we can do to enhance Mojo. Please email mojo-admin@paperclip.com.

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