The Technology
Behind Your
Insurance Business.
From the first client conversation to underwriting, application submission, policy issuance, and ongoing service, the right technology helps agents stay organized and work more efficiently.
Advantage Plus connects life insurance, final expense, and annuity agents with agency resources, carrier systems, sales support, and digital workflows designed around the insurance business lifecycle.
ADVANTAGE PLUS AGENT TECHNOLOGY EXPERIENCE
Technology for the Way Life Insurance Agents Work
Life insurance, final expense, and annuity transactions involve different products, underwriting requirements, disclosures, carrier procedures, and servicing needs. Our agent technology experience focuses on connecting agents with the information, workflows, and support required to navigate those processes.
Agent Business Dashboard
A centralized starting point for accessing agency information, available tools, carrier resources, and business support.
- Agent resource navigation
- Business information
- Agency communications
- Support resources
Life Insurance Quoting
Access carrier-supported quoting resources for researching coverage options and preparing client discussions.
- Term life research
- Permanent life options
- Coverage amount comparisons
- Premium illustrations
Underwriting Resources
Find guidance and carrier information that helps agents prepare applications and navigate underwriting requirements.
- Underwriting guides
- Medical eligibility considerations
- Prescription and condition guidance
- Carrier requirement information
Electronic Applications
Navigate carrier-approved electronic application systems and submission procedures for eligible products.
- Carrier e-application access
- Required forms
- Electronic signature workflows
- Submission guidance
Case Management
Support the process of following applications through underwriting, outstanding requirements, and policy issuance.
- Case follow-up resources
- Pending requirements
- Carrier communications
- Policy issuance assistance
Carrier & Product Library
Access carrier information and available product resources for life insurance, final expense, and annuity business.
- Product information
- Carrier resource links
- Agent guides
- Contracting information
Annuity Resources
Navigate annuity product information, carrier illustration resources, training requirements, and transaction support.
- Fixed annuity information
- Fixed indexed annuity resources
- Illustration access
- Suitability and best-interest guidance
Commissions & Statements
Find commission-related resources and assistance with compensation, statements, and carrier payment questions.
- Available commission information
- Statement resources
- Payment inquiries
- Commission department support
Client & Policy Servicing
Access resources for helping clients after a policy is issued and supporting long-term insurance relationships.
- Carrier service contacts
- Policy servicing guidance
- Beneficiary change resources
- Client follow-up support
The Right Resources for Every Product Line
Different insurance products require different processes. Our agency resource ecosystem is organized around the needs of agents selling life insurance, final expense, and annuity products.
Life Insurance
Product research, illustrations, underwriting, and application support.
Technology & Resources
- Term life quoting resources
- Whole life product information
- Universal life and IUL resources
- Carrier illustration software
- Underwriting class guidelines
- Medical and financial underwriting requirements
- Carrier e-application systems
- Policy delivery procedures
- Replacement and disclosure guidance
- Client servicing resources
Final Expense
Simplified sales processes, eligibility research, and application resources.
Technology & Resources
- Final expense carrier resources
- Simplified-issue product information
- Guaranteed-issue product information
- Health-question eligibility guides
- Prescription-related underwriting guidance
- Coverage and premium research
- Carrier e-application systems
- Telephone interview requirements
- Payment authorization procedures
- Policy delivery and service resources
Annuities
Product research, illustrations, suitability, and transaction support.
Technology & Resources
- Fixed annuity product information
- Fixed indexed annuity resources
- MYGA rate and product resources
- Carrier illustration systems
- Income rider information
- Surrender charge and liquidity disclosures
- Replacement and exchange requirements
- Best-interest and suitability guidance
- Required annuity training resources
- Application and transfer procedures
Underwriting Support Before and After the Application
Underwriting is one of the most important parts of the life insurance sales process.
Agents need to understand carrier eligibility guidelines, required documentation, and potential underwriting obstacles before submitting business.
Advantage Plus helps agents navigate available carrier underwriting resources and obtain guidance on case preparation.
- Carrier underwriting guideline access
- Health history and eligibility considerations
- Height, weight, and build chart resources
- Prescription and medical condition guidance
- Financial underwriting documentation
- Underwriting requirement follow-up
- Carrier escalation and case assistance
Understanding the Underwriting Process
Gather relevant client information, coverage goals, health history, and financial considerations.
Review available products and carrier eligibility requirements before choosing a submission path.
Complete required disclosures, authorizations, and application information.
The carrier evaluates the application and determines whether additional information or examinations are needed.
Follow up on medical records, interviews, forms, or other carrier-requested items.
Review the carrier decision, communicate next steps, and complete policy delivery requirements where applicable.
From Application to Policy Issuance
Insurance applications may involve multiple stages, including documentation, underwriting, carrier review, outstanding requirements, and policy delivery. An organized process helps agents manage each stage effectively.
Prepare
Review client needs, product information, and application requirements.
Submit
Complete the appropriate carrier application and required disclosures.
Underwrite
The carrier reviews eligibility, documentation, and applicable risk factors.
Resolve
Address outstanding requirements and carrier follow-up requests.
Issue & Service
Complete policy delivery, verify applicable requirements, and support ongoing service.
Research Coverage. Compare Options. Prepare Illustrations.
Different clients have different protection, income, and financial planning needs.
Agents may use carrier-approved quoting and illustration systems to evaluate available products and prepare appropriate client discussions.
- Term life premium research
- Permanent life product illustrations
- Final expense coverage research
- Annuity illustration resources
- Product features and limitations
- Carrier-approved sales materials
- Required disclosures and explanations
| Product | Research Focus |
|---|---|
| Term Life | Coverage amount, term length, premium, eligibility, and conversion features. |
| Whole Life | Premium structure, guarantees, cash value, and policy features. |
| Universal Life / IUL | Illustrated values, assumptions, policy charges, funding, and risk disclosures. |
| Final Expense | Issue ages, health questions, waiting periods, benefits, and premium affordability. |
| Fixed Annuities / MYGAs | Rates, guarantees, surrender periods, and liquidity provisions. |
| Fixed Indexed Annuities | Crediting methods, caps, participation rates, floors, riders, and limitations. |
Annuity Suitability, Best Interest & Documentation
Annuity transactions require careful attention to consumer information, product features, financial objectives, disclosures, replacement considerations, and applicable best-interest obligations.
Client Financial Profile
Gather information required for the applicable transaction, including financial objectives, liquidity needs, risk tolerance, and relevant financial circumstances.
Product Education
Understand annuity product features, guarantees, surrender charges, liquidity provisions, riders, and other material considerations.
Required Disclosures
Review carrier-approved disclosures, applicable consumer information requirements, and transaction-specific documentation.
Replacement & Exchanges
Evaluate replacement considerations, potential surrender charges, lost benefits, new restrictions, and applicable exchange procedures.
Carrier Review
Follow the carrier's suitability or best-interest review, supervisory procedures, and application requirements.
Agent Training
Access guidance regarding applicable annuity training, product-specific requirements, and carrier certification obligations.
Manage More Than Just Applications
Successful insurance businesses depend on consistent client service, organized records, timely follow-up, and clear communication with carriers. Our technology and agency support ecosystem is designed to help agents navigate these responsibilities.
Client Relationships
Organize client information and follow-up activities through available authorized tools.
- Contact information
- Client communication
- Service reminders
- Relationship management
Policy Service
Navigate applicable carrier service processes after a policy is issued.
- Beneficiary updates
- Billing questions
- Policy change requests
- Carrier servicing contacts
Commissions & Renewals
Find available information and support related to agent compensation.
- Commission resources
- Statement assistance
- Renewal inquiries
- Carrier payment issues
Carrier Appointments
Obtain guidance on contracting, appointment, and carrier requirements.
- Carrier onboarding
- Appointment information
- Required training
- Contracting assistance
Marketing & Growth
Access information about marketing support and available growth programs.
- Marketing resources
- Prospecting support
- Lead opportunities
- Business development
Agent Support
Connect with the appropriate agency team for business and operational assistance.
- Contracting questions
- Carrier issues
- General support
- Escalation assistance
Everything Your Business Needs Beyond the Application
Our technology experience connects agents with the wider Advantage Plus agency ecosystem, including carrier information, education, compliance, marketing, and support.
Carrier Portfolio
Explore available life insurance, final expense, and annuity carrier relationships.
View Carrier Portfolio →Compliance Center
Access resources related to insurance sales compliance, documentation, disclosures, and consumer protection.
Visit Compliance Center →Agent Training
Learn about available carrier education, product training, and professional development.
Request Training Information →Underwriting Assistance
Request guidance on available underwriting resources and carrier case procedures.
Contact Agent Support →Contracting & Appointments
Begin onboarding and learn about carrier appointment and licensing requirements.
Start Contracting →Marketing & Growth
Explore available marketing programs, lead resources, and business development support.
Explore Growth Resources →Commission Support
Receive assistance with commission-related questions, carrier payments, and statement resources.
Request Commission Assistance →Agency Support
Connect with Advantage Plus for questions about resources, operations, or getting started.
Contact Our Team →Technology Backed by Real Agency Support
Technology alone cannot solve every insurance transaction or carrier issue.
Agents also need access to knowledgeable support, carrier information, education, and resources that help them make informed business decisions.
Advantage Plus combines digital resources with agency-level support to help agents navigate the complexities of life insurance, final expense, and annuity sales.
- National agency support network
- Life, final expense, and annuity carrier resources
- Underwriting and case guidance
- Carrier appointment assistance
- Marketing and business development resources
- Compliance and educational support
- Commission and operational assistance
What Agents Can Expect
Find the available agency and carrier information relevant to your business.
Navigate the different requirements of life insurance, final expense, and annuities.
Access resources for quoting, illustrations, applications, and follow-up.
Know where to turn for contracting, carrier, commission, and operational questions.
Find resources for client service, education, and continued business growth.
Agent Technology Questions
Is the platform designed for life insurance, final expense, and annuity agents?
Yes. This resource experience is focused on the needs of agents working with those product lines. Individual tools and carrier workflows vary by product, appointment, and authorization.
Can I access underwriting information?
Agents can request access to available carrier underwriting guides, requirements, and support resources. Underwriting decisions remain the responsibility of the issuing insurance carrier.
Can I submit life insurance applications electronically?
Many carriers offer approved electronic application systems. Availability depends on the product, state, carrier, and agent's appointment status.
Does the platform include annuity illustrations?
Annuity illustrations and related transaction tools are generally provided through approved carrier systems. Agents should use the appropriate carrier-approved resources and disclosures.
Can I receive assistance with pending applications?
Advantage Plus provides agency support channels for applicable carrier and operational questions, including case follow-up.
Are commission statements available online?
Statement access depends on the carrier and compensation arrangement. Agents can contact Advantage Plus for commission-related support.
Is training available for new agents?
Advantage Plus provides information about available onboarding, carrier education, product training, and professional development resources.
How can I see the technology experience?
Contact Advantage Plus to request a platform demonstration and learn which resources are available for your intended product lines.
Build Your Insurance Business
With the Right Support.
Explore how Advantage Plus can support your life insurance, final expense, and annuity business through carrier resources, underwriting guidance, application support, agent technology, and agency services.
Questions? Call 1 (800) 316-2995