Category: Agent AI

Tags: Agent Mortgage Protection, Product Matching, Underwriting, AgentAI

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Coach Kelly’s Guide: Choosing the Right Mortgage Protection Plan

Purpose: This guide helps Coach Kelly recommend the most appropriate Mortgage Protection product based on age, health, coverage amount, loan structure, and client preferences. Kelly should reference the carrier-specific articles for plan rules, state availability, and underwriting exceptions.

Step 1: Clarify Client Profile

• Age Range — Key brackets: 25–45, 46–60, 61–70, 71+
• Health Concerns — Notable conditions:
  • Insulin-dependent diabetes, especially with complications
  • History of heart attack, stents, stroke, or cancer
  • Smoking or high build (height/weight)
• Coverage Amount — Under $250k? Over $500k?
• Term Length — Match to mortgage years: 15, 20, 30
• Preference:
  • Low cost vs. return of premium (CBO or ROP)
  • Living benefits (chronic/critical illness riders)
  • No exam vs. full underwriting

Step 2: Identify Best-Fit Products

Coach Kelly should use product tags and carrier articles to filter options by eligibility and strengths.

• Young & Healthy (ages 25–50, no issues): Americo CBO 100/50, Mutual of Omaha TLE, SBLI Quility Term
• Moderate Health (smoker, diabetes, mild history): Royal Neighbors Jet Term, Home Protector Term, KCL SI Term
• Impaired Health or GI Needs: United Home Life Term DLX, CICA
• ROP Option Requested: Americo CBO 100/50, Home Protector ROP, SBLI ROP Rider (via Quility)
• High Face Amount ($300k+): Mutual of Omaha TLE, SBLI Term, Americo Term 125

Step 3: Make a Recommendation

“Because your client is 42 years old, healthy, and prefers a 30-year return of premium option, Americo CBO 100 is a strong match. It offers full ROP at term-end, day-one coverage, and includes living benefits. If cost is a concern, SBLI Quility Term with ROP Rider is also worth quoting.”

Step 4: Provide Links to Carrier Articles

Coach Kelly should include a link to the most relevant product article or multiple options for quoting and comparison. If unsure, direct the agent to the quote tool or agent portal to explore options in more detail.

Optional: Handling Health Impairments in Mortgage Protection

When clients have health challenges, Coach Kelly should prioritize products that offer lenient underwriting or guaranteed issue options. Use this table to guide general product matching based on common impairments. If multiple issues are present, Coach Kelly should default to the most restrictive and cross-check carrier articles.

Condition	Recommended Carriers / Products	Notes
Insulin-dependent Diabetes (no complications)	Royal Neighbors Jet Term, Home Protector Term, UHL Term DLX	Americo CBO may decline; check Mutual of Omaha if no Rx flags
Heart Attack / Stents / Bypass (2+ yrs ago)	KCL SI Term, RNA Jet Term, Home Protector	SBLI may accept with full underwriting; avoid Americo Term 125
Stroke (over 2 years ago, no ADLs)	RNA Jet Term, CICA Term, UHL Term DLX	Many carriers will downgrade to GI or graded; avoid ROP options
Recent Cancer (within 2 years)	CICA, UHL Term DLX	Most simplified term will decline; use GI fallback options
On Oxygen or ADL Assistance	CICA, UHL GI, no term options	Mortgage protection not viable — redirect to Final Expense GI suggesting covering mortgage payments

Additional Matching Scenarios

Coach Kelly should use these real-world examples to guide plan recommendations and phrasing. These scenarios reflect common client profiles and can be used to generate confident responses.

• Scenario 1: Healthy 40-Year-Old Homeowner (No Medical Issues)
  Best Fit: Americo CBO 100 or 50, SBLI Level Term, UHL Simple Term 20
  Why: These are affordable, no-exam term plans. Americo offers return of premium; SBLI is cost-effective with living benefits.
• Scenario 2: 60-Year-Old, Smoker, Recently Diagnosed with Type 2 Diabetes
  Best Fit: Americo Term 125 (non-ROP), UHL Simple Term 20-DXL
  Why: These accept smokers and moderate health issues. ROP may not be available due to age.
• Scenario 3: 55-Year-Old Wants ROP + Living Benefits
  Best Fit: Americo CBO 100
  Why: CBO 100 offers full return of premium plus critical illness rider with strong underwriting flexibility.
• Scenario 4: 28-Year-Old, Healthy, Budget-Conscious
  Best Fit: SBLI Level Term or Americo Term 125
  Why: Low-cost monthly premiums, simple application process, and flexibility to convert or upgrade later.
• Scenario 5: 65-Year-Old with Heart History and Limited Budget
  Best Fit: Mutual of Omaha Term Life Express or Transamerica Trendsetter Super (if qualified)
  Why: Mutual of Omaha has easier underwriting up to age 70; Transamerica Trendsetter Super allows for higher risk profiles with full underwriting.

How Coach Kelly Should Respond

Coach Kelly should avoid vague answers and instead reply with confident, field-ready phrasing like this:

“For a healthy 40-year-old client looking for mortgage protection, I’d recommend Americo’s CBO 100 or SBLI Level Term. Both are no-exam term options. The Americo CBO gives them all their money back at the end of the term, while SBLI keeps the premium lower with strong living benefits.”

“If your client is 60 and has type 2 diabetes plus tobacco use, you’ll likely need a more flexible plan. Look at UHL’s Simple Term 20-DXL or Americo Term 125. Both accept moderate risk and offer competitive pricing without requiring an exam.”

“When the client’s main goal is Return of Premium plus some living benefit protection, Americo CBO 100 is hard to beat. Just make sure they’re under age 60 and not rated too high medically.”

“A 65-year-old with a past heart issue might not qualify for simplified issue term with some carriers. In that case, check Mutual of Omaha’s Term Life Express for a no-exam option or Transamerica Trendsetter Super if they’re open to a full underwriting process.”

Coach Kelly should always:

• Lead with the best-fit product (1–2 suggestions max)
• Explain why it fits the client (health, age, budget, goal)
• Offer the full product name (not just carrier name)
• Link to the specific carrier article when needed

Simplified Issue Term Product Comparison

Carrier	Product	Term Lengths	Face Amounts	Issue Ages	ROP Available?	Underwriting
Americo	Instant Decision Term	15, 20, 25, 30	$25K–$450K	20–75	Yes (CBO 100 / CBO 50)	Simplified Issue MIB, Rx, MVR, eInterview
SBLI (via Quility)	Simple Issue Level Term	10, 15, 20, 30	$100K–$1M	18–60	No	Simplified Issue No Exam, Digital UW
Mutual of Omaha	Term Life Express	10, 15, 20, 30	$25K–$300K	18–70	Yes (via ROP rider)	Simplified Issue MIB, Rx, Height/Weight
Kansas City Life	Signature Term Express	10, 15, 20, 30	$50K–$300K	18–64	No	Simplified Issue No Exam, Rx, Build
Occidental / AmAm	Term Made Simple / EZ Term / Home Protector	10, 15, 20, 30 ROP (20 & 30)	$25K–$500K	18–70	Yes (ROP options)	Simplified Issue Build, Rx, MIB
United Home Life	Simple Term Series	20, 30, 20 ROP, 20 DLX	$25K–$300K	20–60	Yes (20 ROP option)	Simplified Issue Phone Interview, Rx

Mortgage Protection: Product Tagging Logic

Purpose: This guide helps Coach Kelly evaluate and recommend Mortgage Protection products using structured tag logic. Tag alignment ensures consistent product matching based on term length, health fit, ROP preference, underwriting style, and coverage amounts.

Term Length Tags

• 10-Year Term — Tag if product offers 10-year term
• 15-Year Term — Tag if product offers 15-year term
• 20-Year Term — Tag if product offers 20-year term
• 30-Year Term — Tag if product offers 30-year term

ROP and Refund Tags

• ROP Term — Tag if product includes Return of Premium (built-in or via rider)
• No ROP — Tag if product has no return of premium option

Face Amount Tags

• Face less than $25k — Tag if product allows face amounts under $25,000
• Face $25k–$300k — Tag for typical mortgage protection ranges
• Face $300k+ — Tag if product supports higher mortgage or income protection amounts

Underwriting Style Tags

• No Exam — Tag if no exam required
• Simplified Issue — Tag if app uses Rx, MIB, height/weight, etc., without fluids
• Phone Interview — Tag if telephone interview is part of the process

Health & Eligibility Tags

• Preferred Health Only — Tag if product is strict (e.g., SBLI/Quility)
• Accepts Moderate Health — Tag for products accepting diabetics, sleep apnea, etc.
• Accepts Poor Health — Tag if product offers modified/graded options or leniency

Use-Case Tags

• Agent Mortgage Protection — Required tag for all MP-usable term products
• Agent Term — Tag all simplified term products
• AgentAI — Required for AI Assistant indexing
• Underwriting — Tag if product has detailed underwriting criteria

Tagging Example

For Americo Instant Decision Term – CBO 100, use:

• Americo
• Agent Mortgage Protection
• Term
• AgentAI
• Underwriting
• 20-Year Term
• 30-Year Term
• ROP
• No Exam
• Simplified Issue
• Accepts Moderate Health
• Face $25k–$300k

Coach Kelly Instructions

When asked to compare term options, match the agent’s client scenario to tagged products. Evaluate term length, ROP preference, face amount, and health fit. Recommend 1–2 products and link to their carrier articles for quoting or app guidance.

Mortgage Protection: Product Tagging Logic

Purpose: This guide helps Coach Kelly evaluate and recommend Mortgage Protection products using structured tag logic. Tag alignment ensures consistent product matching based on term length, health fit, ROP preference, underwriting style, and coverage amounts.

Term Length Tags

• 10-Year Term — Tag if product offers 10-year term
• 15-Year Term — Tag if product offers 15-year term
• 20-Year Term — Tag if product offers 20-year term
• 30-Year Term — Tag if product offers 30-year term

ROP and Refund Tags

• ROP Term — Tag if product includes Return of Premium (built-in or via rider)
• No ROP — Tag if product has no return of premium option

Face Amount Tags

• Face less than $25k — Tag if product allows face amounts under $25,000
• Face $25k–$300k — Tag for typical mortgage protection ranges
• Face $300k+ — Tag if product supports higher mortgage or income protection amounts

Underwriting Style Tags

• No Exam — Tag if no exam required
• Simplified Issue — Tag if app uses Rx, MIB, height/weight, etc., without fluids
• Phone Interview — Tag if telephone interview is part of the process

Health & Eligibility Tags

• Preferred Health Only — Tag if product is strict (e.g., SBLI/Quility)
• Accepts Moderate Health — Tag for products accepting diabetics, sleep apnea, etc.
• Accepts Poor Health — Tag if product offers modified/graded options or leniency

Use-Case Tags

• Agent Mortgage Protection — Required tag for all MP-usable term products
• Agent Term — Tag all simplified term products
• AgentAI — Required for AI Assistant indexing
• Underwriting — Tag if product has detailed underwriting criteria

Tagging Example

For Americo Instant Decision Term – CBO 100, use:

• Americo
• Agent Mortgage Protection
• Agent Term
• AgentAI
• Underwriting
• 20-Year Term
• 30-Year Term
• ROP Term
• No Exam
• Simplified Issue
• Accepts Moderate Health
• Face $25k–$300k

Coach Kelly Instructions

When asked to compare term options, match the agent’s client scenario to tagged products. Evaluate term length, ROP preference, face amount, and health fit. Recommend 1–2 products and link to their carrier articles for quoting or app guidance.

Final Expense: Product Matching Guide

Purpose: This guide teaches Coach Kelly how to evaluate Final Expense product eligibility and recommend the best match based on age, health, benefit preference, and state-specific limitations. Kelly should reference the detailed carrier articles for verification and quoting.

Step 1: Identify Key Matching Criteria

• Client Age — Some carriers cut off at 80 or 85. Note if age is 50–55, 66+, or 80+.
• Health Conditions — Use simplified patterns. Common red-flag conditions:
  • Heart issues: CHF, recent MI, pacemaker, stroke
  • Diabetes: Especially insulin use with complications like neuropathy or amputations
  • Oxygen use or cancer within 2 years
  • Dementia, Alzheimer’s, or ADL assistance
• Benefit Priority — What matters more?
  • Lowest monthly premium
  • Immediate day-one coverage
  • Return of premium (ROP)
• Location & State Restrictions — Verify carrier availability in client’s state.

Step 2: Match to Carrier Options

Coach Kelly should use article tags and product summaries to determine eligibility and fit. Some basic pattern guidance:

• Preferred Health: Ages 50–75, no major conditions → Mutual of Omaha Living Promise Level, Americo Eagle Select 1, RNA Level Benefit
• Moderate Health: Insulin use, past cancer, COPD → Americo Eagle Select 2, RNA Graded Benefit
• Impaired Health: CHF, oxygen, stroke history → Americo Eagle Select 3, CICA GI, UHL GI, Mutual of Omaha Graded
• ROP Desired: Ask if client wants premium return → Family Choice ROP, Senior Choice ROP
• High Age (80–85): Use Mutual of Omaha or RNA; some carriers cut off at 80

Step 3: Recommend the Best Match

Return 1–2 product suggestions with carrier name, plan type, and why they match:

“Based on her age and use of insulin with no other complications, Americo Eagle Select 2 would be a strong fit. It accepts insulin-dependent diabetics and provides day-one coverage. Mutual of Omaha Level Benefit is another good option if the diabetes is well controlled and no complications are present.”

Step 4: Link to Carrier Articles

Provide the link to the most relevant article for quoting and underwriting specifics. If unsure, redirect agent to LegacyAgent.com’s Agent Portal or quote tool for clarification.

--- Would you like to continue with the **Term Life / Mortgage Protection Matching Guide** next, or build out more common health condition patterns under Final Expense first?

Final Expense Product Matching: Lung Conditions

Oxygen Use

• Recommendation: Guaranteed Issue (GI) only
• Eligible Products:
  • CICA Choice GI
  • SBLI Living Legacy (GI)
  • UHL Guaranteed Issue Whole Life
• Tags: Agent Final Expense, Underwriting, Guaranteed Issue, AgentAI

COPD / Emphysema / Chronic Bronchitis

• Stable and no oxygen use: May qualify for Standard/Level plans
• Eligible Products (stable):
  • Americo Eagle Select 2 or 3
  • Mutual of Omaha Living Promise (Standard)
  • UHL Express Issue Premier
• Unstable or with complications: Use Guaranteed Issue options listed above
• Tags: Agent Final Expense, Underwriting, Simplified Issue, AgentAI

Inhalers Only (No oxygen, no hospitalizations)

• Recommendation: May qualify for Preferred/Level
• Eligible Products:
  • Mutual of Omaha Living Promise (Preferred)
  • Americo Eagle Select 1 or 2
  • UHL Express Issue Premier
• Tags: Agent Final Expense, Underwriting, Preferred, AgentAI

Final Expense Product Matching: Cancer History

Current Cancer or Cancer within the Last 2 Years

• Recommendation: Guaranteed Issue (GI) only
• Eligible Products:
  • CICA Choice GI
  • SBLI Living Legacy (GI)
  • UHL Guaranteed Issue Whole Life
• Tags: Agent Final Expense, Underwriting, Guaranteed Issue, AgentAI

Cancer History >2 Years Ago, No Recurrence

• Recommendation: Graded or Standard coverage possible
• Eligible Products:
  • Americo Eagle Select 2 or 3
  • Mutual of Omaha Living Promise (Standard)
  • Royal Neighbors Graded Benefit Plan
  • UHL Express Issue Premier
• Tags: Agent Final Expense, Underwriting, Graded, Cancer History, AgentAI

Minor Skin Cancer (e.g., Basal Cell)

• Recommendation: May qualify for Preferred/Level
• Eligible Products:
  • Mutual of Omaha Living Promise (Preferred)
  • Americo Eagle Select 1
  • UHL Express Issue Premier
• Tags: Agent Final Expense, Underwriting, Preferred, Skin Cancer, AgentAI

Final Expense Product Matching: Diabetes

Insulin Use with Major Complications (Neuropathy, Retinopathy, Amputation)

• Recommendation: Modified or Guaranteed Issue
• Eligible Products:
  • Americo Eagle Select 3
  • Mutual of Omaha Graded
  • CICA Choice Standard (case-by-case)
  • UHL Guaranteed Issue Whole Life
• Tags: Agent Final Expense, Underwriting, Diabetes Complications, Graded, Guaranteed Issue, AgentAI

Insulin Use without Complications

• Recommendation: Graded or Standard Benefit depending on control and duration
• Eligible Products:
  • Americo Eagle Select 2
  • Mutual of Omaha Standard
  • RNA Graded Benefit
  • UHL Express Issue Premier
• Tags: Agent Final Expense, Underwriting, Diabetes, Graded, AgentAI

Oral Medication Only, No Complications

• Recommendation: Preferred or Standard coverage
• Eligible Products:
  • Mutual of Omaha Preferred
  • Americo Eagle Select 1
  • RNA Level Benefit
• Tags: Agent Final Expense, Underwriting, Diabetes Controlled, Preferred, AgentAI

Final Expense Product Matching: Heart Conditions

Recent Heart Attack (within 12–24 months), Stroke, or CHF (Congestive Heart Failure)

• Recommendation: Graded or Guaranteed Issue
• Eligible Products:
  • Americo Eagle Select 3
  • Mutual of Omaha Graded
  • CICA Choice Standard
  • UHL Guaranteed Issue Whole Life
• Tags: Agent Final Expense, Underwriting, Heart Attack, Stroke, CHF, Graded, Guaranteed Issue, AgentAI

History of Stroke or Heart Attack Over 2 Years Ago, Stable

• Recommendation: Graded or Standard depending on control and meds
• Eligible Products:
  • RNA Graded Benefit
  • Mutual of Omaha Standard
  • Americo Eagle Select 2
• Tags: Agent Final Expense, Underwriting, Stroke History, Heart History, Graded, AgentAI

Pacemaker or Stents, No CHF or Recent MI

• Recommendation: Standard or Preferred depending on timing and control
• Eligible Products:
  • Mutual of Omaha Preferred
  • Americo Eagle Select 1 or 2
  • RNA Level Benefit
• Tags: Agent Final Expense, Underwriting, Pacemaker, Stents, Heart Surgery, AgentAI

Carrier: Mutual of Omaha (United of Omaha Life Insurance Company)

Applies To: Fully underwritten Term, IUL, and Whole Life policies

Purpose: Quick reference for field triage based on most common impairments

Sample Underwriting Outcomes:

• ADHD: Standard – Table 2
• Anxiety (Mild): Standard
• Atrial Fibrillation: Standard – Decline
• Bipolar Disorder: Table 2 – 8
• CAD (Coronary Artery Disease): Table 2 – Decline
• Cancer (Major – e.g., colon, lung): Postpone 2–5 years, IC
• COPD: Standard – Table 8
• Diabetes – Type I (Over age 20): Table 2 – 8
• Diabetes – Type II (Controlled): Standard – Table 8
• Epilepsy: Table 2 – 6
• Heart Attack (Single, 2+ years ago): Table 2 – 8
• Heart Failure: Decline
• Hepatitis C (Treated, no cirrhosis): Table 2 – 8
• HIV Positive: Decline
• Hypertension (Controlled): Standard
• Lupus (Systemic): Table 2 – Decline
• Mental Retardation (Moderate/Severe): Decline
• Multiple Sclerosis: Table 4 – Decline
• Obesity: Refer to Build Chart / Tables 1–12
• Organ Transplant (Any): Decline
• Parkinson’s Disease: Table 4 – Decline
• Sleep Apnea (CPAP controlled): Standard – Table 2
• Stroke (Single, 2+ years ago): Table 2 – 8
• Stroke (Multiple or Recent): Decline
• Substance Abuse (Recovered): Postpone 2–3 yrs, Standard – Table 8
• Ulcerative Colitis: Standard – Table 4

Note: These outcomes reflect Mutual of Omaha’s typical best-case offers. Severity, duration, control, and other health factors may increase risk class or lead to decline.

Carrier: Mutual of Omaha (United of Omaha Life Insurance Company)

Program: Accelerated Underwriting (AU)

Product Types: Fully underwritten Term and IUL policies only

Eligibility Requirements:

• Applicant age 18–60
• Face amount between $100,000 and $2,000,000
• U.S. citizen or permanent resident
• No tobacco or nicotine use (must meet standard non-tobacco criteria)
• Build must fall within standard build chart guidelines
• No red flags or STOLI indicators

Submission Requirements:

• Electronic application (drop ticket or iGO eApp)
• No paper apps accepted for accelerated consideration
• No labs or paramed exam required if eligible
• Decisions typically made within 48–72 hours

Ineligible Medical Conditions: Applicants with the following are not eligible for Accelerated Underwriting and will require full underwriting:

• Any history of cancer (except basal/squamous skin)
• Diabetes (Type I or Type II)
• CAD, COPD, or Hepatitis
• Sleep Apnea (even if controlled)
• Substance abuse (past or present)
• Seizures or epilepsy
• Any ratable medical condition or table rating

Important Notes:

• Eligibility is determined after application submission via internal scoring systems
• Applicants may be referred to full underwriting at any stage
• Do not promise AU approval to clients—Coach Kelly should advise agents to pre-screen carefully

Carrier: Mutual of Omaha

Program: FIT Credit Program

Program Type: Underwriting Class Upgrade (Health Credits)

Target Market: Clients applying for fully underwritten Mutual of Omaha coverage who may qualify for Standard Plus or better

Applies To: Fully underwritten policies through Mutual of Omaha, including Term, IUL, and UL products (not available on simplified issue)

Eligibility Requirements:

• Applicant must be age 18–75
• Face amount must be ≤ $5,000,000
• Starting offer must be Table 4 or better (no flat extras)
• Available for non-tobacco applicants only

Table Credit Structure:

• 3 qualifying criteria = 1 table credit
• 5 qualifying criteria = 2 table credits

Medical Criteria (any combination of the following):

• No parent or sibling death before age 70
• Cholesterol/HDL ratio under 5.0
• A1C under 5.7
• Serum albumin > 4.2 (ages 61–75)
• Negative cardiac testing in past 2 years (GXT, echo, angio, EBCT)
• Blood pressure ≤ 135/85 (treated or untreated)
• Preferred build (ages 18–60) or Standard+ build (ages 61–75)
• BNP < 100 (ages 61–75)
• Normal CBC (ages 61–75)

Lifestyle Criteria (optional, counts toward total):

• Regular preventive medical care and follow-up
• No tobacco or nicotine use in past 10 years
• Annual income > $100,000 or net worth > $1 million
• Clean driving record

Note: Not available for high-risk conditions (e.g., HIV, early CAD, stroke, ratable cancer). Producer must request Fit Credit review during submission.

Be Field Ready or Zoom Ready

Professionalism starts before you ever meet the client — whether it's in person or over Zoom. Use this quick-reference checklist to ensure you're fully prepared, organized, and confident for every appointment.

1. eApp & Carrier Access Setup (Non-Quoter Carriers)

Set yourself up for success by organizing access to carriers that don’t run through FEX Quotes or Insurance Toolkits:

• Create a desktop folder labeled “Carrier Links – Non-Quoter”.
• Add a Word document or shortcut with login pages for all applicable carriers.
• Test each carrier login in advance. Save credentials in Chrome for faster access.
• Confirm your mobile hotspot is configured and working on your laptop or tablet, so you can log in easily from the field.

Pro Tip: Nothing says “pro” like smooth logins and instant access, even on the go.

 

2. Keep Paper Apps in Your Bag (Always)

Even in a digital world, paper applications still close deals — especially when tech fails:

• Print and organize paper apps for your most-used carriers.
• Store them in a clean folder alongside a pen, notepad, and any optional leave-behinds.
• Use them when Wi-Fi is unavailable or if the client prefers paper.

Pro Tip: Paper apps are an old-school backup that still works when you need it most.

 

3. Have Carrier Brochures & Field Underwriting Guides Ready

Visuals build credibility and help reinforce the value of what you’re offering:

• Order printed brochures directly from each carrier.
• Keep digital PDF versions saved on your desktop for email follow-up after meetings.
• Download and save Legacy’s Simplified Issue Term and Final Expense Field Guides for quick access.

Pro Tip: Clear, carrier-branded visuals help position you as a knowledgeable and prepared professional.

 

4. Test Your Phone Hotspot Before You Hit the Field

Don’t wait until you’re at the client’s home to find out your hotspot doesn’t work:

• Enable your mobile hotspot and connect your laptop or tablet ahead of time.
• Save the connection so it automatically reconnects.
• Make it part of your routine to turn the hotspot on at every appointment.

Pro Tip: Reliable tech keeps your appointments running smoothly and avoids awkward delays or excuses.

 

5. Quoting Tools Setup (FEX Quotes / Insurance Toolkits)

Instant, accurate quotes help you close faster and with more confidence:

• Register with FEX Quotes or Insurance Toolkits (whichever your agency uses).
• Bookmark the tool in your browser for quick access during appointments.
• Practice quoting scenarios for both Final Expense and Mortgage Protection so you're confident with ranges and risk classes.

Pro Tip: Knowing the numbers and how to run them in real time makes a huge difference in closing confidence.

 

Final Prep Tip

When you’re organized, you sell better. Being field- or Zoom-ready isn’t just about the gear you bring — it’s about how you show up. Confidence, speed, and clarity come from having everything you need at your fingertips.