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Preparing for Appointments

To prepare for your appointments follow these steps. When you set the appointment you should have collected some basic health information like (age, smoker or non smoker, married or single). Knowing this ahead of time will provide you with enough info so you have a general idea of which company you want to go int with. Here’s the form:

  1. Download the carrier quoting tools to your phone and have the links bookmarked on your web browser or phone so you have quick and easy access

  2. Determine the right product.  Here are some very general guidelines.

Agent Field Guide

Mortgage Term Grid - Health Issue Quick Reference Guide

Final Expense Grid - Health Issue Quick Reference Guide

Product: When to Write What


Under Age 60 and Great Health

  • Americo CBO 50 & CBO 100 eApp (Return of Premium, Living Benefits)

  • Americo T125 & T100 eApp (Living Benefits)

  • MOO Term Life Express (Return of Premium,Living Benefits)

  • American Amicable Home Protector eApp (Return of Premium,Living Benefits)

  • John Hancock Vitality eApp (Return of Premium)

  • American Amicable Easy Term eApp

Age 60-70 Healthy

  • MOO Term Life Express eApp

Age 61-75 Great Health

  • Foresters Smart UL eApp

Age 50-70 Unhealthy

  • Americo Eagle Premier eApp, if declined then

  • MOO Living Promise eApp, if declined then

  • American Amicable Senior Choice Graded or ROP eApp

  • Combine with MOO Guaranteed Advantage (Accidental)

Over Age 70

  • Americo Eagle Premier eApp, if declined then

  • MOO Living Promise eApp, if declined then

  • American Amicable Senior Choice eApp

Under 45 Unhealthy

  • Transamerica FEX

  • MOO Guaranteed Advantage (Accidental)

Extremely Unhealthy i.e. – cancer, heart, stroke in last 12 months
Guaranteed Issue Whole Life

  • AIG

  • Columbian Financial Group

People with TIN number (Taxpayer Identification Number)

  • Columbian Financial Group (1st application in paper) 50% Return of Premium

  • American Amicable (carrier doesn't ask if the person is a citizen or a resident) Return of Premium

People ages 40-89 (Final Expense)

  • Aetna CVS

Carriers that don't ask height and weight (Final Expense)

  • Aetna CVS

  • Royal Neighbors

3. Carrier Risk Assessment – If you are not a 100% certain call the carrier Underwriting Department  and have them do a Risk Assessment.  All carriers will provide you a risk assessment.  It’s a great way to learn and become familiar with the carriers.  It will save you time and headaches so that you don’t put the client with a carrier product where they will be declined.

4. Consult with your mentor/manager. When you are new your mentor/manager will assist you in preparing for your appointment.  Have your notes and recommendations ready to discuss with them.

People Skills & Types of Buyers

Practice writing eApp

Here’s the link to practice the writing Americo plans with their eApp.

Be familiar with it so you are ready when you go into the home.  This is an eApp demo site for practicing writing Americo eApps. It does require you to have an agent login from Americo.

Important note: eApps are great and use them but be prepared for the unexpected. Always take the paper application with you as a back up in case you don’t have internet or the carrier site is down for maintenance.

Preparing for the Field

When you are running multiple appointments each week it’s important to be organized and ready to write business. Here is a checklist and tips to help you prepare for the field.

  1. Calendar your appointments: After you are done dialing for the day plug your appointments into your Google calendar or CRM system with the appointment date, time, and city name. I place the city name next the clients name so I know at a glance where my next appointments are.

  2. Have carrier applications printed – Keep a file carrier in your car that has the paper applications for your state. Even if the app is an eApp always carry a paper application as a back up in case your computer crashes.

  3. Computer/iPad/Tablet, Mobile phone, HotSpot (Your mobile phone creates a small area of Wi-Fi coverage allowing nearby Wi-Fi devices to connect to the Internet) – Make sure to have your computer/iPad/Tablet and chargers with you in the field.

  4. Important Phone numbers – Make sure you have the Agent Hotline 888-236-7402 and carrier phone numbers programmed in your phone before you go out so you are fully prepared.

  5. Business cards – Not absolutely necessary and don’t let it hold you up if you are a new agent but it’s nice to have a business card with your info to give the client. We recommend Digital Business Cards. Click HERE to order your Digital Business Card.

  6. Leads – Always take leads with you in the field.  When an appointment cancels on you or if you have time in between appointments this is a great opportunity to book more appointments.  Think like a top producer would!

  7. Around the clock support anytime you're preparing for an appointment or in the home and need help!

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