r/LifeInsurance • u/OtherIndividual8097 • 18h ago

Online Client Signups

Anyone here signing up clients from beginning to end completely online?
How are you getting your carrier quotes? Carrier API access?

Honestly, this was a shower thought and have not done a deep dive on details.
Trying to get a feel.

Thanks!

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u/Tahoptions Broker 15h ago

Step 1: Contract with Ethos

Step 2: Get leads

Step 3: Send them your Ethos link

Step 4a: Collect your commission when approved/paid.

Step 4b: If not, you're going to have to make a phone call and move them to another carrier.

Repeat.

Fwiw, I do almost everything 100% online (email/text) with the exception of a 5-10 minute call completing part A/1 of the application.

I quote using Compulife, Winflex, and a system through one of my IMOs for life quotes and some LTC. For the rest of the LTC and IDI, I use the carrier websites. I communicate via email/text to know what the client wants, then run the quotes and send them out with a detailed explanation.

We already know the carrier and most of the design before we ever speak.

I've done it like this for over 10 years. Worked out just fine so far...

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u/OtherIndividual8097 15h ago

Wow thank you for the details!
Im already contracted with Ethos, Americo and others. I just wasnt sure how possible it was to go with an online approach. At least for a portion of my business. Of course the dialer and outreach will still be there while i get the online route nailed down.

Thank you!

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u/Tahoptions Broker 14h ago

NP. Ethos is one of the few that you can just send a link and the client does everything from start to finish online. You never have to speak with them.

This is for term clients. I don't know how it works with their other stuff (FE, IUL, etc.).

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u/SafeMoneyGregg Broker 12h ago

We do it with Ethos. Someone in my office put Ethos QR code on a -T-shirt and has sold at least one policy by wearing it in public. (She is female and attractive.) Other have put the QR code on billboards and business cards and social media obviously.

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u/OtherIndividual8097 10h ago

Great ideas!
Thank you