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1. The Application Flow — Step by Step

This is the handoff from the brochure call to the application.

Step 1 — Lock the Effective Date

This is the handoff from the brochure call to the application. They have told you when they want to start — now you set expectations and get moving.

YOU:

"Okay so the application process is pretty simple. I will go ahead and get some general information like your name, date of birth, height and weight, social security number, and good banking info — then I will take you through a set of health questions. It usually doesn't take more than 10 minutes."

 

Step 2 — Open the Application in HubSpot

Do not navigate to the PALIC portal directly. Go through HubSpot:

  • Open the client's Contact or Deal record in HubSpot
  • Find the Application tab on the side panel of the screen
  • Launch the application from there — this keeps the deal record linked

 

Always Use HubSpot to Launch

Launching through the HubSpot application tab ties the submitted app to the correct contact and deal. Do not go to the PALIC portal directly.

 

Step 3 — Collect General Information

Work through the application fields with the client on the line. You are entering this live as they give it to you:

  • Full legal name
  • Date of birth
  • Height and weight
  • Social security number
  • Banking information (routing and account number)
  • If approved before effective date — tell them it will draft on the effective date
  • If approved on or after effective date — tell them it will draft on approval

 

Step 4 — Billing

When you reach the billing section, go through it like this:

YOU:

"Okay — do you have your checkbook handy?"

 

YOU (after they confirm):

"Perfect. So to go over billing — there is a one-time application fee of $50."

Then let them know the draft timing based on their situation:

YOU:

"Okay so what's the name of your bank?"

Collect routing number and account number and enter them in the portal.

 

Step 5 — Health Questions

After billing, move into the health questions section. Walk through them with the client. Use the "No to All" button if applicable, but read each eligibility question carefully — a Yes answer to an eligibility question will generate an error and remove the applicant.

Health Question Warning

There is a "No to All" button that applies No to every question at once. However, if any eligibility question requires a Yes answer, the system will error and that applicant cannot be enrolled. Do not try to override it.

 

Step 6 — Next Steps Script

After submission, walk the client through what happens next. This is the close of the call:

YOU:

"Okay so the next steps are going to be that you will be receiving two emails. The first one will be a welcome email — that one is not as important as the second email.

The second email will say something like Action Required and it will be coming from Philadelphia American, the underwriter of the policies. In that email you will click the link and it will take you to a portal where you will be verifying all of the information that we went over. Once that is complete, underwriting will begin.

As a reminder, I tell everyone to save my number — because I stay with you for the duration of your policies with us. So any questions or problems you have, just give me a call and we can get it taken care of. Okay, have a great day!"