Illustrator and OneCare Express Quick reference guide INSURANCE

Transcription

1 Illustrator and OneCare Express Quick reference guide INSURANCE

2 Contents Welcome to OnePath s Illustrator 4 Creating an illustration 5 Adding lives and cover to an illustration 6 Navigating between policies 7 Previewing, completing and printing 8 Welcome to OnePath s OneCare Express 9 The OneCare Express application process 10 Getting started 11 Moving from an illustration to OneCare Express 11 Using OneCare Express 12 Basic navigation 12 Lives insured 13 Existing insurance 14 Adviser details 15 Policy details General information 16 Policy details Owner information 17 Policy details Mailing address 18 Policy details Beneficiaries 19 Policy details Payment information 20 Policy details Loyalty information 22 Personal Statement 23 Details of Offer 26 Application Form 27 2

3 Finalising the application 28 Submitting the application 29 Saving the application and submitting it later 31 Accessing a partially completed application 32 Troubleshooting 42 Returning to an application 42 Business rule errors 43 Forms 43 3

4 Welcome to OnePath s Illustrator Installing Illustrator is just at your fingertips. For more information and assistance please: visit onepath.com.au/illustrator contact your OnePath Business Development Manager or Risk Adviser Services on risk.adviser@onepath.com.au contact our Adviser ebusiness training team by sending an to platform.training@onepath.com.au 4

5 Creating an illustration Step 1 Choose Policy Ownership. If you require the policy to link to a Non Superannuation policy using a SuperLink arrangement, tick SuperLink below. Step 2 Check the Cover Required. If you have selected SuperLink, you will have the options in and out appear for the available covers. In refers to covers available on the Super policy, and out refers to covers available on the linked Non Superannuation policy. Choosing TPD on the Super policy will automatically link. Step 3 Click Create New Life or Find Existing Life to re-use a client from your Illustrator database. 5

6 Adding lives and cover to an illustration Adding cover: Choose the OneCare cover required. Adding lives: To add a life to an existing policy, click Add. Then click Create New Life or Find Existing Life. When TPD Definition Own is selected on a Super policy that is part of a SuperLink arrangement, the Policy 2 - Non Super component of the TPD premium appears here. This is in addition to the TPD premium for Policy 1. 6

7 Navigating between policies Use the tree diagram to navigate between policies, lives and covers. Adding policies: To add a policy to an illustration, click Add. To edit the details of a policy (e.g. the owner, payment or beneficiary details), click Edit. Click on the Summary tab to show the premium breakdown of covers, stamp duty and policy fee. If a SuperLink arrangement applies, this will include details for the linked policy. 1. Create illustration report 2. Create a OneCare Express Application or Dynamic Application 3. Start a new illustration 4. Exit Illustrator 7

8 Previewing, completing and printing Quote summary Include a summary that outlines total premiums payable across all lives and policies. Index sum insured Select whether to index the sums insured by CPI. Stepped vs. level premiums Select to display annual comparisons between stepped and level premiums for the selected projection term. Income Secure Wait/ Benefit Select to compare premiums across a variety of benefit and waiting periods. Projection term selection a term of 10, 20 or 30 years; or to age 55, 60 or 65 Income Secure Claims Projection Select to display a projected maximum payable claim benefit, where Income Secure Cover is purchased. Commission type The commission type used for commission projection purposes. Show commission View commission projected over five years based on your selected commission type. Commission comparator Display the projected commission amounts payable over five years for the available commission types. 8

9 Welcome to OnePath s OneCare Express OneCare Express is an intuitive electronic application program that will revolutionise the way you write life risk insurance business. By providing you with an immediate policy decision, it can: increase sales and referral conversion boost productivity and enhance customer satisfaction. Instant acceptance With OneCare Express, your client receives an underwriting decision upfront. With instant acceptance rates of up to 50%, almost 1 in 2 clients could walk out the door fully covered. Reflexivity Reflexivity means that questions are asked progressively, based on preceding responses. For example, an applicant who indicates they ve experienced back problems will be prompted to identify the specifically affected area. The benefit of such intuition is that in most cases, all necessary information can be captured upfront eliminating the need for additional evidence later. Clever, convenient features OneCare Express is designed to expedite and streamline the process. Features include: straight through processing an automated medical provider search automated directories to look up BSBs and postcodes information verification for credit cards and TFNs to ensure only valid numbers are entered the flexibility of both electronic and physical signature options navigation control to ensure mandatory questions can t be missed the ability to attach any extra documentation online and offline functionality so you re not limited to relying on internet connection alone. 9

10 The OneCare Express application process Step 1: Open OnePath Illustrator and complete an illustration. Step 2: From the Illustrator task bar, select Application and then OneCare Express. Step 3: Continue through to OneCare Express and complete the application. OneCare Express will then confirm if the application is eligible for issue or requires further assessment. When the application is eligible for issue When the application requires further assessment Step 4: Electronically submit the application to OnePath. Your client is fully covered as soon as OnePath receives the application. Step 4: View any outstanding underwriting requirements. If any additional documentation is required (e.g. proof of visa), you can attach this information to the application electronically. Step 5: Your client s details will automatically be entered into OnePath s administration systems using straight through processing. A Personal Statement Pack will be sent to your client for their review. Step 5: Electronically submit the application to OnePath. Your client may be eligible for interim cover. Step 6: OnePath will issue policy documentation to your client. Step 6: Your client s details will automatically be entered into OnePath s administration systems using straight through processing. A Personal Statement Pack will be sent to your client for their review. 10 Step 7: The underwriting process will now apply. OnePath will review any additional information disclosed in the application and await any medical or financial requirements. If the application is accepted, OnePath will issue policy documentation to your client.

11 Getting started Moving from an illustration to OneCare Express As per the standard illustration process, you need to enter the life insured s basic details and cover information. To review your illustration: Click on Illustration. To move from an illustration to OneCare Express: Click on Application. You will be prompted by a pop up box, from which you can choose to create a Dynamic Application or enter OneCare Express. Click on OK. Note: OneCare Express will be selected by default. 11

12 Using OneCare Express Basic navigation To keep track of where you are: The > symbol in the left hand column indicates the stage that you are up to. To return to the illustration: Click on Cancel. Note: All information you entered will be available when you reenter OneCare Express. To move forward and backward: Click on Next or Back. Note: Questions can be bypassed and answered later while you continue to complete the rest of the application. However, the application cannot be submitted without all mandatory questions having been answered. 12

13 Using OneCare Express Lives insured This screen allows you to confirm the life insured s personal details. It is automatically populated with the information you entered into the illustration. You may need to add additional mandatory information that was not completed. Please ensure that all name and address details are correct, as what appears here will be entered onto our system and reflected on the Policy Schedule. To add or delete lives, you will need to return to the illustration. Changing the life insured s personal details may change the illustration. In the interest of privacy, the Personal Statement Pack will always be sent to the address entered on this screen. Occupation and Pastimes lists: Click on A pop up box will appear. Select the applicable occupation or pastime from the list. If the life insured does not have any listed pastimes, confirm this by checking the box on the top right hand side of the Pastimes pop up. Note: Any applicable premium adjustments will automatically be applied back into the illustration. Postcode finder: Click on A pop up box will appear. Select the applicable postcode from the list. Address finder: Click on A pop up box will appear. Select the applicable address from an existing life on the quote. 13

14 Using OneCare Express Existing insurance This screen allows you to input details of any existing insurance your client holds and any insurance your client is currently applying for (with OnePath Life or any other insurers, including any insurance held in superannuation or by an employment scheme). You will be prompted to include the type of cover, the insurer with which it is held, the cover start date, sum insured and the amount being retained (for other cover currently under application, you will be asked to supply the amount being applied for instead). To add an existing insurance record: Click on Add insurance. The fields on the lower half of the screen will appear. Note: Do not include cover you are applying for as part of this application. Once you have completed all the fields, you may create another entry by clicking Add insurance again. Note: You can also remove any existing records by clicking Remove. 14

15 Using OneCare Express Adviser details This screen confirms your authorisation for OnePath to contact your clients during the assessment process (Note: this is not applicable to ANZ financial planners). It also allows you to nominate a second adviser for the application, and enter their basic details. You will be able to select your preferred commission payment type. To nominate a second adviser for the application: Check this box. Fill out the second adviser s details. To nominate an alternate commission payment type: Select the desired commission payment type from this drop down list Note: The nominated commission payment type will be applied to all covers on the application, where the dial down option has not been selected. 15

16 Using OneCare Express Policy details General information This screen allows you to set up a packaging discount (if applicable). If a packaging discount does not apply, click on Next. If you have nominated a second adviser on the application, you can now designate the commission proportions for each policy on the application. If an external superannuation fund is the policy owner (as set up in Illustrator), there will be an additional section at the bottom of the screen where you will need to add the fund name and Australian Business Number (ABN). To add the number of lives in the group: Click on the drop down icon and select the applicable number. Note: Any premium adjustments will automatically be applied back into the Illustration. To add the group type: Click on the drop down icon and select the applicable group. To designate the commission split: Input the proportions here. Note: You can designate a different split for each policy on the application. 16

17 Using OneCare Express Policy details Owner information This screen allows you to assign a policy owner. To remove a policy owner: Click on Remove. To add a policy owner: Click on Add Owner. A pop up box will appear. Select whether the owner is to be a person, company or trust. Next, select the applicable policy owner from the list of saved clients or create a new owner. If the OnePath MasterFund or an external superannuation fund or Master Trust is the policy owner (as set up in Illustrator), a different screen will appear. When the OnePath MasterFund is selected, you need to add the premium contribution type and enter the life insured s tax file number (TFN). To select the contribution type: Click on the drop down icon and select the applicable type. To add the TFN: Enter the TFN in this field. This field is mandatory and only valid numbers will be accepted. 17

18 Using OneCare Express Policy details Mailing address This screen allows you to confirm the mailing address. This screen is automatically populated with the policy owner s address details. To change the address: Check this box. The address fields will then become active. Complete the alternate mailing address details. Note: As with the Lives insured screen, the postcode finder is available. 18

19 Using OneCare Express Policy details Beneficiaries This screen allows you to confirm the nominated beneficiaries. It is automatically populated with the information you entered into the illustration. If the OnePath MasterFund is the policy owner (as set up in Illustrator), you will be able to set up binding and non-binding nominations, as well as elect for benefits to be paid as a lump sum or pension. In order for the beneficiary nomination to become effective, you will need to provide us with a signed Nomination of Beneficiary form. We are legally bound to obtain this, even where you choose the electronic signature option. This form is available from Illustrator. To remove beneficiaries: Highlight the beneficiary you wish to remove by clicking on it. Click on Remove. To add beneficiaries Click on Add Beneficiary. A pop up box will appear. Select whether the beneficiary is to be a person, company or trust. Select the applicable beneficiary from the list of saved clients or create a new beneficiary. Address finder: Click on A pop up box will appear. Select the applicable address from an existing life on the quote. 19

20 Using OneCare Express Policy details Payment information This screen allows you to select the payment method and add the payment details. If you have previously entered payment details on the application, you may copy these across. If you wish to provide payment details later, check the I will provide these details later box. However, these must be provided before you submit the application. To select the payment method: Click on the drop down icon and select the applicable method. To copy payment details: Click on A pop up box will appear. Select the applicable payment details. To select the premium frequency: Click on the drop down icon and select the applicable frequency. To select the billing date: Check the box. The billing date box will then become active. Enter the billing date (1 31). BSB finder: Click on A pop up box will appear. Select the applicable BSB number from the lists of institutions that appear. Note: Once you select a BSB, the institution s details will automatically appear. 20

21 Using OneCare Express If you select credit card as the payment method a different screen will appear. This screen allows you to add the credit card details. To select the premium frequency: Click on the drop down icon and select the applicable frequency. To nominate the billing date: Check the box. The billing date box will then become active. Enter the billing date (1 31). Note: Only valid credit card numbers will be accepted. If you select cheque as the payment method a different screen will appear. To select the premium frequency: Click on the drop down icon and select the applicable frequency. Note: Cheque is only available for half-yearly and yearly payment frequencies. 21

22 Using OneCare Express External Rollover Payments If you select external rollover as the payment method a different screen will appear. Premium Frequency must be annual. Available for policy type OnePath MasterFund. Entering search details in the fund name field brings up fund look-up (selection autopopulates fund name, product name and ABN, leaving just member number to be entered): 22

23 Using OneCare Express If the application is for a OneCare Super policy, you may choose to pay via internal transfer. Premium frequency payments can be monthly, half-yearly or yearly. Note: If internal transfer is selected as the payment method for a non-onecare Super policy, an error message will appear. Policy details Loyalty information If your client is a Qantas Frequent Flyer member, please select the program from the drop down box and enter the client s 7 or 10 digit member number and their name as it appears on their Qantas card. Once you have agreed with the terms and conditions of the authorisation, click on Next to move on to the Personal Statement. 23

24 Using OneCare Express Personal Statement The Personal Statement screens will take you through the occupation, income, lifestyle, medical and family history sections of the application. OneCare Express will only ask the questions that are relevant to the type and level of cover being applied for. OneCare Express recognises the life insured s gender and will customise the questions accordingly. OneCare Express uses reflexive questions meaning additional questions will be relevant to the response to the preceding question. Examples of reflexive questioning 24

25 Using OneCare Express The height and weight calculator converts measurements into metric format. To convert the height measurement into a metric format: Click on A pop up box will appear. In the fields provided, enter the height in feet and inches. The equivalent measurement in centimetres will automatically calculate. To convert the weight measurement into a metric format: Click on A pop up box will appear. In the fields provided, enter the weight in stones and pounds. The equivalent measurement in kilograms will automatically calculate. 25

26 Using OneCare Express OneCare Express also features a medical provider search function. This enables you to look up the details of any doctor, private practice or hospital in Australia. You can search for the medical practitioner based on an individual doctor s name, the name of the doctor s practice, the hospital name or the suburb. The Look for field enables you to refine your search by entering additional key details (such as an area of speciality, like psychiatry ). OneCare Express stores the details of all doctors nominated on the application, so you can easily re-select doctors already supplied. Note: If your client has not consulted a doctor or you cannot find the doctor, practice or hospital in the list, please check this box. You will be prompted to enter additional details. 26

27 Using OneCare Express OneCare Express will assess your responses to ensure that they are consistent with the illustration. This screen will appear if there are any contradictions in your responses. To return to the illustration: Click on Next. When back in the illustration, make the appropriate alterations. Details of Insurance Once the Personal Statement is complete, this screen will confirm if the policy is eligible for issue or if further assessment is required. This screen will also indicate if personalised terms (such as loadings or exclusions) are being applied to policies that are eligible for issue. At this point, you will be asked to provide or confirm payment details. Payment details must be added in order to submit the application. 27

28 Using OneCare Express Application Form This screen provides you with a PDF of the Application Form. This includes the cover details and premiums. You can , export or print this PDF. All documents are watermarked with the words For Review, to indicate that they have not yet been submitted to OnePath. The watermark will only be visible if you , export or print the document. Page one of the Application Form contains instructions that outline what is required to complete the application. The Application Form contains all information entered into the illustration. Your customer needs to check that all of the responses are correct. Any additional underwriting requirements will be outlined in the Underwriting Requirements section of the form. 28

29 Finalising the application This screen allows you to return to the illustration, save your application or submit it to OnePath. To return to the illustration: Click on this button and click on Finish. To save an application: Click on this button and click on Finish. To submit the application to OnePath: Click on this button and click on Finish. Note: It is important that your client reviews the application before you submit it, as you cannot make any changes after it has been submitted. 29

30 Finalising the application Submitting the application Illustrator works whether you are online or offline. When you submit the application, a pop up box will appear. You and your client will need to acknowledge your respective electronic acknowledgements, and consent to the submission of the application. You can electronically attach documents to the application at this point. If you attempt to submit an application when offline, the application will be saved as Pending in your Application Listing ready to submit when you next go online and open OnePath s Illustrator. If the application has been successfully submitted to OnePath, a pop up box will appear in confirmation. You will also receive an confirming that it has been successfully submitted. The application will then be saved as Submitted in your Application Listing. To electronically attach documents to the application: Click on Attach documents. A pop up box will appear. Select the applicable document type and life insured from the drop-down menus. Next, click on Attach to browse in your local drive for the documents. Once these have been selected and attached, click on Close. Your documents will now be attached to the application. 30

31 Finalising the application Once you have submitted the application, you will have access to the final documents which will no longer be watermarked. If you so choose, you may now print out the Declarations Form, have your client sign it, and then send it to OnePath. You can now access an updated illustration that reflects the outcome of the application. Where applicable, this will also include an updated commission disclosure, which can then be used in your Statement of Advice. Click on Print to select the documents you wish to print. To print the documents: Check the boxes beside the documents that you wish to print. Click on Print. A generic Declarations Form is also available from the Forms menu in Illustrator. To exit the finalised application, click on Finish and you will be taken back to the illustration screen. 31

32 If you select credit card as the payment method a different screen will appear. This screen allows you to add the credit card details. Only valid credit card numbers will be accepted. To select the premium frequency: Click on the drop down icon and select the applicable frequency. To select the billing date: Check the box. The billing date box will then become active. Enter the billing date (1 31). If you select cheque as the payment method a different screen will appear. To select the premium frequency: Click on the drop down icon and select the applicable frequency. Note: Cheque is only available for half-yearly and annual payment frequencies. 32

33 Create the Dynamic Application Once you have completed all the information, click on Application (note, you don t need to include all the information to produce a Dynamic Application). To create the Dynamic Application: Click on Application. You will be prompted by a pop up box, from which you can choose to create a Dynamic Application or enter OneCare Express. Select the Dynamic Application radio button and click on OK. Note: The OneCare Express radio button will be selected as a default. To review your illustration: Click on Illustration. The Dynamic Application will then be presented to you as a PDF. To your clients the application: Click on . A pop up box will appear. Confirm the client s address and click on OK. Your program will then open with an created and ready to send. The checklist at the front of the application will confirm what sections need to be completed. The Dynamic Application includes your illustration, including the premium and cover details you no longer need to attach the illustration. Print the application and have the client complete the remaining details and sign the relevant sections. Mail the application to OnePath. If your client needs to complete a questionnaire, download it by clicking on Forms and then Underwriting in the menu bar. 33

34 Troubleshooting Returning to an application You can access your Incomplete, in Review, Pending and Submitted applications in your Application Listing. If you have already submitted the Application Form to OnePath, you will only be able to access it as a PDF. You will be unable to make changes to the application. To open your Application Listing: Select the File menu in the illustration screen. Select Open Quote. Your Application Listing will open. If accessing an application, you will have the option to review the entire application from page one, or enter at the first section that requires completion. To review the entire application from page one: Click on this button and click on Next. To go to the first section that requires completion: Click on this button and click on Next. 34

35 Troubleshooting When you re-enter you will have the option to skip completed sections. To skip completed sections and only show outstanding questions: Check this box and click on Next. Business rule errors If you miss mandatory information in OneCare Express, a pop up box will appear. To proceed, you must either enter the requested information, or (where permitted) bypass the question and answer it later. Please note that all mandatory questions must have been completed prior to submission of the application. These boxes may also appear if you enter incorrect information or break a OnePath business rule. Forms Administration and underwriting forms and other marketing materials are available from Forms on the menu bar. Forms can be viewed, printed, saved or ed. Adobe Acrobat must be installed on your PC to view these forms. 35

36 For assistance with Illustrator or OneCare Express, please our Adviser ebusiness training team For questions regarding underwriting: Contact OnePath s underwriting team on Risk Adviser Services Phone risk.adviser@onepath.com.au Postal address OnePath Life GPO Box 4148 Sydney NSW 2001 OnePath Life Limited (OnePath Life) ABN AFSL This information is current at May 2012 but is subject to change. It is for adviser use only and may only be reproduced with the permission of OnePath Life. Potential policy holders should read the OneCare Product Disclosure Statement (PDS) available at onepath.com.au or by calling and consider whether this product is right for them. L5990/0813 onepath.com.au