Doing Business

Efficiency. Process. Accountability.

Our independent new business team is comprised of 2 senior case managers, 2 independent underwriters, 1 independent physicians assistant and a reporting specialist. We know insurance.

CHECK NEW BUSINESS STATUS

New Business Quick Links

Forms and Apps

Field UW Fact Finder

Electronic Applications

Medical Questionnaires

Carrier Guidelines

Unsure How to Apply?

No Worries, We Have a Process.

Step One: Field Underwriting

The first step to accurate quoting is field underwriting. Use our LFS Fact Finder as a guide to ensure you are pre-qualifying your client.

Step Two: Review Health Status

For Clients with medical issues proceed to step Three. For Healthy
Clients proceed to Application Options below.

Step Three: Medical Questionnaires

Please use specific medical questionnaires for clients who have major ailments. Please ask an LFS team member if you’re not quite sure!

Step Four: Tentative Offer Process

Email your clients medical questionnaire to our new business team and determine the most competitive carrier for your client situation.

Step Five: Full Application

Please be sure to include the tentative offer along with the full application. Avoid “drop ticket” applications and telephone interviews with a tentative offer.

Submitting a Life Application

Electronic Applications

All clients except those that have been shopped can apply with a full
application online with the iGo E-app

Full Paper

We recommend the full paper application for clients with major medical ailments or complicated situations. We also recommend your client avoid answering any medical questions via telephone interview.

Continue an Electronic Application

If you need access or to complete your e-signature on an application started but NOT submitted.

Electronic Applications

All healthy clients are eligible for a drop ticket or shortened application process. The drop ticket process usually involves a client telephone interview. You must prepare your client for the interview ahead of time.

Drop Ticket – this is an application process also referred to as teleapp. This is a shortened application that requires the carrier to call the client to finish the app verbally during that interview.

Accelerated Underwriting – this is an underwriting process and guidelines vary by carrier. This underwriting process is typically applied for through a Drop Ticket application. If the client fits within the carrier specific guidelines, it is possible for the exam to be waived.

Full Paper Application

We recommend the full paper application for clients with major medical ailments or complicated situations. We also recommend your client avoid answering any medical questions via telephone interview.

Paper

Karen Day

Your LFS New Business Management Team

The LFS New Business Team is led by Karen Day and Lori Johnson! Our number ONE priority is to process new business in an expedited and efficient manner. We take personal pride and ownership to ensure each advisor receives a concierge new business experience.

Lori Johnson-Rietdyk

Impaired Risk Underwriting &

Large Case Management

We are seen as a “performance” agency with a strict focus on efficiency, process and placement. Our seasoned new business team consists of senior case managers with a specialty in large case management and impaired risk/complex underwriting. With extensive underwriting experience and deep relationships with every major carrier – your new business experience will be smooth. Why be in coach when you can sit in first class?

Work Smart & Get Paid Faster

Would you like to receive compensation sooner? Are you looking for an easy way to increase your placement ratio? Sometimes the largest impacts are made by the smallest change in process. Using policy E-Delivery (over traditional policy mailing processes) will help you accomplish both. In fact, most advisors who utilize policy eDelivery receive compensation 2-4 weeks sooner. Ask the LFS New Business Team to learn more now!