“A One Stop Life Insurance Resource.”

eApp, eDelivery & Straight-Through-Processing

eApp, eDelivery & Straight-Through-Processing

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LexisNexis® Life Data Prefill

As an interactive single-inquiry solution, LexisNexis® Life Data Prefill helps streamline the insurance process at the point of application, reducing the time and cost of capturing some of the data necessary to help properly evaluate your applicants.

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Quote & Apply

FREE Life Insurance Quoting Software

Are you looking for a free quoting engine? How about your own life insurance quoting website? How about 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 e-Delivery, quoting, and eApplication software. Quote the most amount of life insurance product types and complete the eApplication using DocuSign in just a few minutes.

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 eApp Insurance and eDelivery resulting in fast and seamless policy approvals.

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Join the Revolution and Futureproof Your Agency

Originally built for and trusted by over 30,000 Financial Advisors, the Covr Pro digital insurance platform is now available to Independent Agents.

Covr advisor digital plataform is the easy way for financial advisors to meet their clients life insurance needs. The cobranded dashbord allows the advisor to easily select the needed product, whether is life, long term care or disability coverage. Compare the products and premiums and complete the process online in minutes. Cover’s virtual advise model allows financial advisor to better serve its clients anytime, anywhere.

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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 Omnichannel support, the Covr consumer is fully tagged and seamlessly integrates into a financial brand-consumer experience, allowing consumers to buy insurance products from a name they trust. The consumer platform can be customized with the brand, logo, and colors of each financial institution.

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

Surrey’s Lifetime Acquire is a configurable electronic insurance App 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 to make the entire application and buying process for life insurance and annuity order entry systems intuitive and easy to understand.

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Visit illustrateinc.com/eapps to learn more.

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ApplicInt’s ExpressComplete

Leading provider of technology used eApp to complete an insurance application. 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 eApp insurance 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 ensures 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.

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 ApplicInt Product Info to learn more

iPipeline iGO®

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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 

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 

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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 eApps, 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 life insurance 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 through secure life insurance edelivery, 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

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Paperless Solutions Group – eXpedite

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eXpedite offers a radically different approach to ePolicy and edelivery of other life insurrance documents 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

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FireLight® life insurance 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 life insurance e-Delivery reduces time, labor, and cost associated with manual delivery methods. Get a life, annuity, and other insurance and retirement policies and documents to clients faster and efficiently with FireLight life insurance e-Delivery.

FireLight e-Delivery Site

 

Product Overview PDF click here: FireLight e-Delivery

Consumer Direct Insurance Tools

InsurAware™ is an end-to-end digital distribution platform built on state-of-the-art data analytics, behavioral science, and artificial intelligence which aims at matching clients with cost-effective insurance policies provided by leading policy providers. InsurAware™ is equally beneficial for financial institutions, as it leverages the power of precise digital marketing coupled with the accuracy of industry data processed with state-of-the-art AI to become a one-stop solution for the customer acquisition journey.

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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.

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 cuncumer
Acquire Mockup 1200x627 modif2

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.

 

ApplicInt UComplete

Launched in 2014 as revolutionary Direct to Consumer approach to provide completion of application information

-Snaps into your call center to augment CallComplete or allow the proposed insured to complete the application online

-Integrates with a proprietary pharmaceutical data aggregation system

-Designed to serve up all the forms/data in good order to the carrier for instant decision on a case.

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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.

Life Insurance 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 

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LexisNexis® Risk Classifier with Medical Data integrates behavioral and medical history into a single underwriting model. This helps enable life insurers to better understand and segment risk, minimize invasive requirements and accelerate the underwriting decision process.

Join the Revolution and Futureproof Your Agency

Originally built for and trusted by over 30,000 Financial Advisors, the Covr Pro digital insurance platform is now available to Independent Agents.

CovrPro Logo
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Covr Advisor digital platform is the easiest way to meet their clients life insurances needs. The co-branded dashboard allows the advisor to easily select the needed product wether ir life, log term care or disability coverage. Compare products and premiums and complete the process in line in minutes. Covr virtual advice model allows financial advisors to better serve their clients anytime, anywhere!

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 cuncumer
ApplicInt 300 dpi logo1

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

Annuity Order Entry

Annuity order entry systems commonly known as “AOE” were first introduced as early as 1998, however gained significant market traction around 2005 for Broker-Dealers to submit business on Variable Annuities. These annuity order entry systems 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 sub pays on annuities, position & valuation files, and automated financial advisor licensing services. Over the years, these annuity order entry systems expanded into the Financial Institutional Channel (FI) being used by banks, clearinghouses, independent broker-dealers, and most major wirehouses.  The FI distributors use these annuity order entry systems for compliance review workflow, suitability analysis, sub pays, and annuity maintenance. As the annuity market changed, fixed and indexed annuity products were added to the annuity order entry systems. Also in recent years, there has been an attempt to sell a simpler version of these annuity order entry systems to other distribution channels. Ken Leibow 

AFFIRM® for Annuities utilizes a wizard-based approach to streamline annuity order entry system 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

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Designed to increase annuity sales and reduce compliance risk, AnnuityNet is a more efficient, more appropriate annuity order entry system that 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 fully meet all compliance criteria – free sales reps to focus on servicing their clients and building their business.

Click here: AnnuityNet Site 

Insurance Technologies FireLight

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FireLight® is a multi-carrier annuity order entry systems and 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 the 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

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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 accurately than ever before is a “Game Changer”.

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