E-APP GUIDE

After logging into your dashboard, click on
“QUOTE & ENROLL”.

Fill in all the general information.

EFFECTIVE DATE will need to be entered but may be changed later in the application. A way to ask this question would be “Now [Client’s Name], if approved for coverage, would you want your coverage to begin immediately just in case?”

Click on “VIEW PRODUCTS”

NEXT, click on the box next to “FINAL EXPENSE”.

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FIRST, enter the coverage amount in the “Benefit Amount” Box

SECOND, under the “Select Plans” section, select the rate class according to the client's health. Preferred and Standard are both level plans. Modified is a graded plan due to certain health conditions. Super preferred is for those in good health with an exisiting medicare supplemental health plan with Aetna. NOTE: ASTHMA WITH USE OF ALBUTEROL / INHALER is automatically "STANDARD". Other conditions may affect rating.

THIRD, press the “QUOTE” button.

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NOTE: Once you press “QUOTE”, the rates for each health class will show. Make sure that the health class the client may qualify for is selected.

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FOURTH, on the “Optional Benefits Riders” section, make sure that you check the box for “Accelerated Death Benefit Rider” if applicable. This option will automatically show in states where it is available. This rider has no additional cost, but it must be checked to be included in the policy. The Accelerated Death Benefit rider gives the insured access to 50% of their death benefit while they are alive if they are diagnosed with a terminal illness with a life expectancy of a year or less. NOT AVAILABLE IN CALFORNIA.

Accidental Death Benefit Rider. Every policy already covers death due to an accident. However, the accidental death benefit rider doubles the coverage amount in case of an accidental death. For example, if a client has $20,000 in base coverage and they pass away of natural causes, their beneficiary will receive $20,000. If they pass due to an accidental death, the beneficiary will receive $40,000.

You can offer this to your client by saying “Now [Client’s Name], for just [$] more, you may add double accidental to your policy. This means if you pass away of natural causes, [Beneficiary Name] will get [Base Coverage Amount]. However, if you pass away due to an accidental death, [Beneficiary’s Name] will receive [Double Coverage Amount]. Would you like to add this rider to your policy?”

FIFTH, click on the “ADD TO CART” button. The price will show where it says “Total” on the right hand side.

SIXTH, click on the “START ENROLLMENT” button

NEXT, fill in the client's first and last name, confirm the date of birth is correct, select citizenship, and then click on the “START ENROLLMENT” button.

NOTE: If the applicant is not a US Citizen or Permanent Resident, they are not eligible.

PLAN ELIGIBILITY

PLAN ELIGIBILITY.

This is where you will enter the applicant’s health information.

NOTE: If applicant has ASTHMA and is prescribed an inhaler with Albuterol, choose "YES" on question regarding COPD. This will help with immediate approval at STANDARD.

Once all health questions have been answered, click on the “CHECK ELIGIBILITY” button.

After clicking on “Check Eligibility”, it will let you know which plan the applicant may qualify for based on their answers.

NEXT, you will be asked about any existing policies the applicant may already have.

If applicant has no existing coverage, select “NO” on 1 and 1A.

If Yes on 1 and 1A, enter information of existing policies. Some information may not be mandatory. If policy number of existing policy is unknown, type in “Unknown” in part “D Policy Number” box.

Leave box 1F empty.

Click “NEXT"

HEALTH HISTORY

HEALTH HISTORY SECTION. You may leave this field empty. Entering information in this box will send the application to underwriting and instant decision will not be available.

Click "NEXT"

BENEFITS & PLAN

BENEFITS & PLAN.

FIRST, answer based on if applicant has a Medicare Supplement with Aetna. If so, they may qualify for the “Super Preferred” rating based on their health.

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SECOND, it is recommended that you select "YES" on this question. Accepting a rated policy means that if the applicant is applying for the “Preferred” plan for example, and Aetna’s medical check determines that the applicant actually qualifies for the “Standard” rating instead, Aetna will approve the application at the Standard rating on submission. If NO, then upon medical check, if they determine that the applicant will not qualify for the Preferred Plan, they will decline the application on submission. IF you select YES, a second question will be asked. For “Keep the same amount of insurance”, this means that the coverage will stay the same if another rating is approved, and the premium will be raised accordingly. However, you also have the option to keep the premium the same, but the coverage amount will decrease based on the premium and rated policy.

THIRD, you may change the coverage amount here and add the Accidental Death Benefit Rider IF NEEDED.

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FOURTH, select a non-forfeiture option.
Automatic Premium Loan: This allows the insurer to automatically withdraw funds from the policy's cash value to pay an overdue premium if the policyholder fails to make a payment on time, essentially preventing the policy from lapsing and maintaining coverage without the policyholder needing to take action; this loan is then added to the policy's outstanding loan balance with interest charges applied. If the insured passes away without repaying the loan, their beneficiary will receive the coverage amount minus any outstanding loan amounts.
Paid-up Insurance: Based on the cash accumulation at the time, the insured can choose to accept a decreased paid-up amount of coverage which no longer requires premium payments to maintain coverage. The policy remains in effect until the insured dies, or the policy is canceled.
Extended Term Insurance: Extended term insurance allows a policyholder to keep their policy active as term life coverage for a set period. The policyholder uses the cash value of their policy to purchase a term policy with the same death benefit. This is used if a policyholder fails to pay their premium within the grace period. The cash value is used to extend the term of coverage based on the benefit amount at the due date of the earliest unpaid premium.

If any changes to coverage or riders, click on "RE-QUOTE"

FIFTH, confirm or change payment mode or effective date. Keep on "Monthly" for Electronic Bank account draft. NOTE: IF client refuses to give payment information, you may return to this section, select "Quarterly", then go back to "Payment Information" section to select "Direct Bill" under "Payment Method". This will allow you to complete the application and will send the client a paper bill if approved. However, with Quarterly billing, the client will need to pay 3 months of premiums each quarter.

SIXTH, Click "NEXT"

Aetna direct billing

Confirm details and then click "OK"

PROPOSED INSURED

PROPOSED INSURED SECTION

Fill in the applicant's general information.

Fill in the Primary Beneficiary's information.

Benefit Percentage. If there is only one beneficiary, put 100 as the percentage. If more than one primary, each percentage must equal to 100%. For example, if two beneficiary's, the percentage split must be 50/50. If three beneficiaries, the percentage split must be 34/33/33.

Beneficiary Address. To expedite the application process, you may enter the applicant's address and phone number as the beneficiary's so that you can proceed. However it is recommended that you collect the beneficiary's phone number so that you can reach out to them to help them with a policy.

If there are additional primary beneficiaries, you may add them by clicking on "Add Beneficiary".

To add a Contingent (Back-up) Beneficiary, click on the "Contingent" tab on the top left and click on "Add Beneficiary".

IMPORTANT: Make sure to select "NO".
If you select "Yes", you will need to print the application and obtain a wet signature from the insured and the owner. Instant decision will not be available with wet signature.
Click "NEXT"

Confirm address of insured and beneficiaries are correct. Aetna's database will find the address on their system and suggest their format.

After confirming, click "PROCEED"

PAYMENT INFORMATION

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FIRST, enter applicant's bank account information. (Follow trainers instruction on how to properly ask for the bank information to eliminate objection.)

If client declines to give payment information, you may put them on direct billing by following the note on the Benefits and Plan Section.

SECOND, once bank information is entered, click "ADD".

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Once, you press "Add", it will now show an "Acounts List" section with the bank account you just entered.

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THIRD, click the drop down at "PAYMENT METHOD" and choose EFT for bank draft or 'direct billing' for paper bill.

FOURTH, click the drop down at "DRAFT INITIAL PREMIUM". Choose "ON POLICY EFFECTIVE DATE".

FIFTH, if bank account is being used, click the drop down at "ACCOUNT NUMBER" and select the account that is available.

SIXTH, click the drop down at "REQUESTED EFT DRAFT DATE" and choose the day of the month the re-occuring draft will be taken out. (To avoid confusion, it's recommended to select the same day of the month that the policy will take effect. For example, if a policy is set to start 1/10/2025, make the re-occuring on the tenth day of the month).

SEVENTH, click "NEXT"

AGENT INFORMATION

Read "Commision Split Guidelines" IF NEEDED.

Click "OK"

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FIRST, confirm that your agent information is correct.

If there will be a commission split, click on the box where it says "Add agent to split commission". NOTE: Agent split must equal 100% combined. for example 50/50, 75/25, 60/40.
SECOND, click Mail Policy to "Applicant". NOTE: If you choose to mail the policy to the Agent, email signature will be required and instant underwriting may not be available.
Leave Agent Notes Blank.

THIRD, click "NEXT"

REVIEW & SIGNATURE

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Review client details.
Section A does not normally come up unless the applicant's identity cannot be verified. An ID or Driver's License will need to be provided by the insured and uploaded here.
Skip "Add Products"
Click "START SIGNATURE PROCESS"

FOURTH, enter the code inside of the "Authorization Code" box and click on the "Verify Authorization Code" button. A message will show it's verfied or incorrect.
FIFTH, click the checkbox that says "I agree to terms and conditions".
SIXTH, click the "APPLY APPLICANT SIGNATURE" button.
SEVEN, click the checkbox that says "I agree to terms and conditions" for agent.
EIGHT, click on the "APPLY AGENT SIGNATURE" button.
NINE, click on the "SUBMIT APPLICATION" button.

FIRST, click on "AUTHORIZATION CODE". (This applies to In-person as well)
SECOND, choose "TEXT" if possible, if not, choose "Email".
THIRD, let the applicant know that you are sending them a text or email for signature by saying, "Now [Client's Name], I'm going to send you a [Text Message / Email] for signature. The [Text / Email] is going to say, "Authorization code: Provide this code to your agent". The code is a 6 digit number. Go ahead and provide me with that 6 digit code number please."

Screenshot_20241221_194854_Messages_edit

The photos above show what the applicant will see on their phones.

Aetna Signature Code

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8 E-SIGN GUIDE

NEXT, click on the "CHECK AUTO UW" button to load the instant decision. You will see a progress bar populate.

Once the underwriting check is complete, a message will populate letting you know if the client was approved, declined, or if the application was sent to underwriting for further review.

NOTE: A prompt for "ADDITIONAL QUESTIONS" may come up. Choose to answer these questions. The medical check may have found something in the background that they need clarification on in which they will let you explain and improve chances of approval.

If an applicant is declined or rated for a different health class other than applied for, you may call Aetna and they will tell you exactly why the applicant was denied. This can help you find other options for the applicant.
You may click on the PDF icon next to the policy number to download the application. Click "DONE" to close the application.
If you have to leave the application before completion, you can find the application from your quote and enroll tool in "Cases".