STEP 3- GET YOUR BAG READY
a.) APPLICATION PRINTING:
b.) IN-HOME TOOLS: Print in COLOR and laminate and keep in your field binder.
d.) UNDERWRITING GRIDS: Print in COLOR and laminate OR place in clear sheet protectors and keep in your field binder.
e.) NEEDS ANALYSIS Worksheet: Print multiple copies of the NEEDS ANALYSIS Worksheet. You will fill this out while sitting with clients to determine eligibility. Text completed worksheet to your manager.
f.) APPEARANCE:
- Click Here for the Application Check List. This is a list of applications to print and place in your bag. Print at least two copies of each application. Text the check list to your manager when completed.
- ***** >> Be sure that the FORM #'s on the bottom of each page are printing correctly. CLICK HERE for sample.
- ***** >> Be sure that the FORM #'s on the bottom of each page are printing correctly. CLICK HERE for sample.
- Click Here to access Paper Applications for printing.
- All agents need to print the paper applications. Most of our carriers require a paper application to be submitted before they will finalize your contracting and issue you a writing number.
- PRO TIP #1: Organize each application in color folders. One folder for each product on the check list.
- PRO TIP #2: Have the Proposed Insured sign every page with a Proposed Insured signature section. This is very important for the replacement forms. You may need to submit the signed Replacement forms even if your client is not replacing existing insurance.
b.) IN-HOME TOOLS: Print in COLOR and laminate and keep in your field binder.
- The New Kind of Life Insurance - The Value of Mortgage Protection & Living Benefits (Click Here)
- Carrier Logos (Click Here)
- 48-48-50 : Stats to show your clients (Click Here)
- Living Benefits Grid for Term & UL (Click Here)
- Living Benefits for Whole Life (Click Here)
- Mortality Guidelines (Click Here)
- TERM & UL PRODUCT TABLE
- WHOLE LIFE PRODUCT TABLE
- Click here to hear Jon Schwartz explain how to use these tables.
d.) UNDERWRITING GRIDS: Print in COLOR and laminate OR place in clear sheet protectors and keep in your field binder.
- TERM & UNIVERSAL LIFE UNDERWRITING GRID
- WHOLE LIFE UNDERWRITING GRID
- Click here to hear Matthew Weiner explain how to use these grids.
- HEIGHT AND WEIGHT CHART- TERM & UL
- HEIGHT AND WEIGHT CHART - WHOLE LIFE
- Click here to hear Hutch explain how to use these charts.
e.) NEEDS ANALYSIS Worksheet: Print multiple copies of the NEEDS ANALYSIS Worksheet. You will fill this out while sitting with clients to determine eligibility. Text completed worksheet to your manager.
- Needs Analysis Training: Complete the Needs Analysis for yourself (as if you are a client) and text the completed document to your manager. Your manager will then make the product recommendation and work with you on how we present the quotes.
- If you do not have any medical history, you can also complete a needs analysis on a relative with medications so that we can provide more training on how we complete the underwriting to select the correct product.
f.) APPEARANCE:
- Agents should wear business casual attire in the field. A collared shirt with khakis, slacks, or dark colored jeans will suffice.
- Wear a lanyard with a print out of your license in the plastic covering.
- You can purchase an Equis branded lanyard and polo/shirt from the Equis store found in your agent dashboard if you desire.
- Reference the images below for guidance and refer to your manager for any additional details.
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