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EasyLife

 

 

Life and Longevity

EasyLife makes your life and longevity planning easy by giving you one place to quote, apply, and track your business. This saves you time so that you're able to focus on other important tasks in your practice.

Quoting

Running a quote in EasyLife is quick and simple—allowing you to get information to your customers with ease. Watch this demo video on quoting life solutions:

Ways to Apply

Paper Forms

This process will generate a traditional fillable application for the product you selected.

E-App

This process allows you to complete and sign a full application online. With the help of the wizard, you complete a fillable version of the carrier’s full application embedded with specific rules so you do not inadvertently skip over required questions.

Once you have completed the application, you will be able to electronically sign the application and submit it to your local office case manager for review. Once your case manager has reviewed the application, he or she will submit it to the carrier on your behalf.

Drop Ticket

This is a shortened form that gets the application process started. Once the drop ticket is submitted, the carrier will reach out to the client to complete the rest of the application over the phone. Your client will still have to answer the normal questions, including medical, but they (and you) won’t have to deal with the tedious paperwork.

Drop tickets are great to get the process started with the carrier and have the customer provide underwriting information directly to the carrier. This document will show you the specific process each carrier uses for their drop ticket. Keep them prepared and shorten the interview time by providing them this document.

Accelerated Underwriting

Take advantage of carrier accelerated underwriting programs! Accelerated underwriting can turn weeks into days and potentially eliminate the need for a paramedical exam. Accelerated underwriting uses a combination of a client interview, application, and database searches to underwrite the risk… notice NO PARAMED! Keep in mind that this process isn’t for everyone—a good rule of thumb is a client that fits these parameters:

  • Age: 18 to 60
  • Face amount: $1,000,000 or less
  • Assumed preferred or better risk (typically not for standard or worse)

The process isn’t perfect—sometimes the insurance carrier will still need to get more information. Don’t worry, we’ll keep you informed along the way.

Many carriers offer accelerated underwriting programs in conjunction with their digital applications, and some have nuances to their platforms that may make their process more amenable than others.

Available Carriers

Want to learn more about the available carriers and their programs? Visit Available Carriers.

Case Sharing

Need help completing the application or making sure it's filled in correctly? Case sharing is a great feature of EasyLife. Learn more.

What Happens Next?

After you have submitted your application—Highland takes over for you. Click here to see what happens next.

Demo Videos

Below are demo videos to learn some of the most common processes: