Volume LIFE DIVISION AGENT GUIDE

Transcription

1 Volume 1 LIFE DIVISION AGENT GUIDE

2 Top 10 reasons to do business with Levinson & Associates 1. Free agent websites with lead capture 2. Highly discounted E&O program for our agents only 3. Highly discounted lead programs for our agents only 4. 24/7 personal underwriter X-RAE 5. Free CRM Tool to keep your name in front of your clients 6. Best products, Best commissions- PERIOD 7. Unparalleled Service - (Ranked one of the best IMO s in the industry) US Insurance Magazine Free Power Selling Books & CD s 9. Ongoing live training & webinars 10. Most technologically advanced website in the industry with real time case status, quotes, and all of the latest tools to make you successful Let us bring your agency to the next level!

3 Table of Contents Getting started..1 Using the website 2 Quoting clients 2-4 Underwriting tools..5-8 Forms Online applications Marketing material..14 Annuity division..15 Webinars & training Free Agent websites 17 Licensing & contracting Case management & tracking business Software support..23 Agent discounts & sales programs...24 Our carriers at a glance...25 Contacts 26 Our carriers (See back cover).27

4 Manual 1 Life Division Services Our Life division is uniquely positioned to provide excellent service and agent support. Should you have a question that is not addressed in this manual, please call us directly so that we can properly answer your questions. Some of the services our office provides are: Processing quote Requests Underwriting Assistance Product Guidelines/Information/Training Company Licensing/Appointments Case Processing/Case status Underwriting Assistance Case Design Getting Started As one of the nation s largest Insurance Marketing Companies, we represent several carriers which can supply you with a very competitive and intense product portfolio. We are a hands-on, full service organization equipped to help you during the entire underwriting process. From the most inexpensive term to the largest UL, WL or Annuity quote, we stand ready and very able to help with all of your insurance needs. We anxiously look forward to hearing from you today

5 2 Using the Website Our website was specifically designed to be one of the best tools in our industry for you the agent. From the website you can: Quote clients Review product information Obtain forms for application and policy service Review underwriting guidelines Access training material Access agent & client material Request permanent life quotes Access carrier home pages Check case status 24/7 Track downline agent business Check licensing/appointment status Download software-must be licensed with carrier Instantly compare underwriting guidelines for your clients Submit new business using I-GO online applications Sign up and print your discounted E&O certificate Quoting Clients Our quote engine will run your clients information with all of our companies and produce a comparison showing the most competitive rates for each company. To quote clients, simply follow the steps provided. 1) Go to Login Required 2) First Time Users Must Register for Instant Access 3) Select the link to obtain Quotes

6 Enter client s information And desired coverage Verify State Policy will be delivered Click for fully underwritten Simplified Issue (Non-Med) Available Term or Universal Life Available Multiple Years can be quoted together Select All Carriers to determine best Carrier Select I-Go only to view Online applications only Riders available Select View All Quotes 3

7 4) Review Results of Quote Check desired Companies to show Comparison quote Select Compare Checked to compare checked quotes Click to Review Product Guide Click to review Underwriting Guides Results are displayed in comparison mode. /Print Quotes for Your clients 4

8 Underwriting Clients Prequalifying clients is your best tool while in the field. If you can learn to properly rate and prequalify clients you will save yourself valuable time. If this is done correctly you will be able to set realistic client expectations and have an increased chance of placing submitted cases. X-RAE is a system designed to instantly compare underwriting guidelines for your client and determine the best product based upon various underwriting categories. By using X-REA you will see an improvement in your ability to pre-qualify clients. This system will help eliminate unpredicted ratings and declines. To access: Click on the X-RAE button in the Underwriting Tab 5

9 Click on the X-RAE Logo and use your existing User ID & Password to gain access Once Logged-In Simply Click to build a new quote 6

10 Answer the underwriting questions for your client. Additional questions will appear based upon your answers Enter as much information as possible to get the most accurate underwriting assessment Once Answers are complete Search for Available Carriers Carriers will be displayed with an underwriting class State- Premiums available by selecting 7

11 In addition to X-RAE we have several pieces for use in the field. Identifying the correct underwriting class can be achieved by using the form below. 8

12 Additional Underwriting Forms are available on our website. Click on the desired category to view specific underwriting questionnaires 9

13 Obtaining Forms The Forms section of the website is designed to produce forms for any type of Product we offer. To obtain the necessary Forms follow these Steps: 1) Go to 2) Select Forms/Paper Forms Search 3) Select The Carrier/State/Product to view PDF applications 10

14 I-GO E applications Online applications with the I-GO system enable you to instantly sign up a client and use to complete the signature process. With I-GO you can: Submit 100% in Good Order applications Access a Completely paperless process Save and update as many times as you like Trim Days off of Processing time. Get Paid Faster!! To access I GO click on I-GO under the forms Tab You will be automatically signed into the I-GO system. 11

15 Once into I-GO you have the option to view existing cases or to start a new case- Enter client information to begin the application process 12

16 Application forms will be populated as you answer application questions Follow the application steps until the application is in 100% in good order Signature Options Print out & Wet Sign Application by clicking view forms Click-Wrap: 1) sent to client asking to review application and click to accept. 2) sent to Agent asking to review application and click to accept. 3) Cases are electronically submitted! 13

17 Marketing Material The Website is designed to retain all marketing material for products since their introduction. This section will be updated to reflect any form changes and new pieces developed by each carrier. They can be accessed by following the link to the Marketing section at: Each Company s folder is displayed. Simply click on the desired company to reveal a list of their PDF marketing material 14

18 Annuity Division Rates and quotes available on For quotes/products information call our office to speak to our annuity division. Select Current Annuity Rates Carrier Name Product Name Rate Average Yield Max Age Rates are updated daily 15

19 Webinars & Training Webinars will be held monthly, or at an agency s request. We value training as it is the key to increased sales and informed product placement. You will be notified of upcoming webinars via . Once you receive the follow these steps to attend: 1. Register for the webinar by following the instructions in the invitation. 2. At the specified webinar start time call the provided number and web address provided to join in. You will be able to listen and see our training session. Times will be set aside for Q & A for every training session. The training information can be found on our home page by selecting the Archived Webinar Training folder under the What s New Section. Training Videos Training Videos are available on our website under the Agent Training Section Training CD s & Books Continuous training and selling tips can make an agents closing ratio double. Finding a proven system to generate leads without spending a fortune is important. With this in mind we have designed the Ultimate Power Selling Series This includes: Power Prospecting CD Point of Sale Success CD The Top Seller book-guaranteed to generate never ending leads. You will receive this series free of charge once you are an active agent. 16

20 Agent Websites Free Agent Websites are available for any active contracted agent. To set up your free agent website follow these steps: 1) Go to insprofessional.com 2) Select Sign up to begin 3) Complete the required information Once the information is completed and submitted you will receive an confirmation. The website has been designed to increase your sales. Once set up, your website will produce leads by sending you an with client information every time they quote themselves. 17

21 Licensing To get started writing cases you will first have to submit licensing & contracting paperwork to our licensing department. This will enable you to receive an agent number and begin submitting cases. Some carriers will require that you submit business along with your contracting to receive an agent number. To get licensing forms simply go to the Licensing section of our website. Each Carriers Licensing Paperwork will be displayed for you to complete 18

22 Case Processing New Business applications can be sent to our office the following ways: 1) Faxed to ) Mailed or sent overnight to us at: Cary A. Levinson & Associates, Inc N. University Dr. Suite 201 Coral Springs, FL ) ed 4) Applications should always be sent directly to our office to expedite service. 5) Applications may be taken online via E-App, I-GO or App-assist programs. *Eligibility may vary by company and state. 19

23 Tracking your Business Broker Gear was designed to help agents track all of their pending cases from one simple log-in. Agents with pending cases can track their business by following the steps below: 1) Go to 2) No additional log-in is required Click to view Case Status Download Software to run UL Quotes 20

24 View Cases by Agent View only Agents With Cases View you re Cases Search for a Cases Sort Cases by Type & Status View those cases that meet search Criteria 21

25 Cases are displayed by Client name and have Updated status Cases are displayed With requirements And received items 22

26 Illustration Software Support- Who do I call? Assurity Life: ext. 4333/ helpdesk@assurity.com American General: Genworth Life: ext productsupport@genworth.com West Coast Life: ext. 8375/ Tom.wong@wclife.com Aviva: Old Mutual/F&G: Transamerica FAMILY MARKETS: ext North American: ext ING: Lincoln: AXA: Prudential: Opt. 1, Opt. 3 John Hancock: Banner: Ext: 4129 MetLife: Life of the South West: Transamerica: Allianz:

27 Agent Discounts & Sales Programs Agents working with Levinson & Associates have access to exclusive Sales Tools as well as several discounted programs found nowhere else in the industry. Discounted E&O This program allows for Contracted Agents to sign up and print discounted E&O right from the website. Other Tools Available for 2010 Discounted Lead Programs Free CRM Tool (Automated Client Management) Automatically send Birthday, Policy Anniversary, Holiday s/Mailers. 24

28 WHO TO CALL AT LEVINSON & ASSOCIATES Marketing Support Bill Levinson-Vice President Ext.16 Joseph Loughran- Brokerage Manager/Life Settlements, Ext.11 Rupert Moore- Brokerage Manager/ LTC Specialist, Ext.21 Case Managers Rhona Tobias, Ext.10 Debra Schulman, Ext.17 Irene Bobrowsky Ext.23 Michelle Pena Ext14 Heidi Fisher Ext.12 Licensing & Contracting Karen Grosswirth, Ext.24 Administration Cary A. Levinson-President, Ext.20 Bill Levinson-Vice President Ext.16 Ena Levinson-Office Manager/Accounting, Ext.12 Mailing Address Phone & Fax Web Page Cary A. Levinson & Associates, INC N. University Dr. Suite 201 Coral Springs, Florida Toll Free: Direct: Fax:

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