LIFE DIVISION
AGENT GUIDE
Volume
Top 10 reasons to do business with Levinson & Associates
1. Free agent websites with lead capture
2. Highly discounted E&O program for our agents only
3. Highly discounted lead programs for our agents only
4. 24/7 personal underwriter…X-RAE
5. Free CRM Tool to keep your name in front of your
clients
6. Best products, Best commissions- PERIOD
7. Unparalleled Service -
(Ranked one of the best IMO’s in the industry)
“US Insurance Magazine 2007”
8. Free Power Selling Books & CD’s
9. Ongoing live training & webinars
10. Most technologically advanced website in the industry
with real time case status, quotes, and all of the latest
tools to make you successful
Table of Contents
Getting started………..1
Using the website………2
Quoting clients………2-4 Underwriting tools………..5-8 Forms………...9-10 Online applications……….11-13 Marketing material………..14 Annuity division………..15
Webinars & training……….……...16
Free Agent websites………17
Licensing & contracting………...…..18
Case management & tracking business……..…..19-22 Software support………..23
Agent discounts & sales programs………....24
Our carriers at a glance……….………..25
Contacts………26
Life Division Services
Our Life division is uniquely positioned to provide excellent service and agent
support. Should you have a question that is not addressed in this manual, please call us directly so that we can properly answer your questions. Some of the services our office provides are:
• Processing quote Requests • Underwriting Assistance
• Product Guidelines/Information/Training • Company Licensing/Appointments
• Case Processing/Case status • Underwriting Assistance • Case Design
Getting Started
As one of the nation’s largest Insurance Marketing Companies, we represent several carriers which can supply you with a very competitive and intense product portfolio. We are a “hands-on”, full service organization equipped to help you during the entire underwriting process. From the most inexpensive term to the largest UL, WL or Annuity quote, we stand ready and very able to help with all of your insurance needs. We anxiously look forward to hearing from you today
Manual
Using the Website www.carylevinson.com
Our website was specifically designed to be one of the best tools in our industry for you the agent. From the website you can:
• Quote clients
• Review product information
• Obtain forms for application and policy service • Review underwriting guidelines
• Access training material
• Access agent & client material • Request permanent life quotes • Access carrier home pages • Check case status 24/7
• Track downline agent business • Check licensing/appointment status
• Download software-must be licensed with carrier
• Instantly compare underwriting guidelines for your clients • Submit new business using I-GO online applications • Sign up and print your discounted E&O certificate
Quoting Clients
Our quote engine will run your clients’ information with all of our companies and produce a comparison showing the most competitive rates for each company. To quote clients, simply follow the steps provided.
1) Go to www.carylevinson.com Login Required
2) First Time Users Must Register for Instant Access 3) Select the link to obtain Quotes
Enter client’s information And desired coverage
Verify State Policy will be delivered Click for fully underwritten
Simplified Issue (Non-Med) Available
Term or Universal Life Available Multiple Years can be quoted together
Select All Carriers to determine best Carrier
Select I-Go only to view Online applications only
Riders available
4) Review Results of Quote
Check desired
Companies to show Comparison quote
Select Compare Checked to compare checked quotes Click to Review Product Guide Click to review Underwriting Guides
Results are displayed in comparison mode.
Email/Print Quotes for Your clients
Underwriting Clients
y Prequalifying clients is your best tool while in the field. If you can learn to properly rate and prequalify clients you will save yourself valuable time. If this is done correctly you will be able to set realistic client expectations and have an increased chance of placing submitted cases.
y X-RAE is a system designed to instantly compare underwriting guidelines for your client and determine the best product based upon various underwriting categories. By using X-REA you will see an improvement in your ability to pre-qualify clients. This system will help eliminate unpredicted ratings and declines. To access:
Click on the X-RAE Logo and use your existing User ID & Password to gain access
Answer the underwriting questions for your client.
Additional questions will appear based upon your answers
Enter as much information as possible to get the most accurate underwriting assessment
Once Answers are complete Search for Available Carriers
Carriers will be displayed with an underwriting class Premiums available by selecting State-
In addition to X-RAE we have several pieces for use in the field.
Additional Underwriting Forms are available on our website.
Obtaining Forms
The Forms section of the website is designed to produce forms for any type of Product we offer. To obtain the necessary Forms follow these Steps:
1) Go to www.carylevinson.com
2) Select Forms/Paper Forms Search
I-GO E applications
Online applications with the I-GO system enable you to instantly sign up
a client and use email to complete the signature process. With I-GO you
can:
y
Submit 100% in Good Order applications
y
Access a Completely paperless process
y
Save and update as many times as you like
y
Trim 10-14 Days off of Processing time.
y
Get Paid Faster!!
To access I GO click on I-GO under the forms Tab
Once into I-GO you have the option to view existing cases or to start
a new case-
Application forms will be populated as you answer application questions
Follow the application steps until the application is in 100% in good order
Signature Options
y
Print out & Wet Sign Application by clicking view forms
y
Click-Wrap:
y
1) Email sent to client asking to review application and click to
accept.
y
2) Email sent to Agent asking to review application and click to
accept.
Marketing Material
The Website is designed to retain all marketing material for products since their introduction. This section will be updated to reflect any form changes and new pieces developed by each carrier. They can be accessed by following the link to the Marketing section at:
Annuity Division
y Rates and quotes available on www.carylevinson.com
y For quotes/Products information call our office to speak to our annuity division.
y Select Current Annuity Rates
Carrier Name
Product Name
Rate
Average Yield
Max Age
Webinars & Training
Webinars will be held monthly, or at an agency’s request. We value training as it is the key to increased sales and informed product placement. You will be notified of upcoming webinars via email. Once you receive the email follow these steps to attend:
1. Register for the webinar by following the instructions in the email invitation.
2. At the specified webinar start time call the provided number and web address
provided to join in. You will be able to listen and see our training session. Times will be set aside for Q & A for every training session. The training information can be found on our home page by selecting the “Archived Webinar Training” folder under the “What’s New” Section.
Training Videos
Training Videos are available on our website under the Agent Training Section
Training CD’s & Books
Continuous training and selling tips can make an agents closing ratio double. Finding a proven system to generate leads without spending a fortune is important. With this in mind we have designed the
Agent Websites
Free Agent Websites are available for any active contracted agent. To set up your free agent website follow these steps:
1) Go to insprofessional.com 2) Select Sign up to begin
3) Complete the required information
Once the information is
completed and submitted you will receive an email
confirmation.
The website has been designed to increase your sales. Once set up, your website will produce leads by sending you an email with client
information every time they quote themselves.
Licensing
To get started writing cases you will first have to submit licensing & contracting paperwork to our licensing department. This will enable you to receive an agent number and begin
submitting cases. Some carriers will require that you submit business along with your contracting to receive an agent number. To get licensing forms simply go to the Licensing section of our website.
Case Processing
New Business applications can be sent to our office the following ways: 1) Faxed to 954-746-9535
2) Mailed or sent overnight to us at:
Cary A. Levinson & Associates, Inc. 5551 N. University Dr. Suite 201
Coral Springs, FL. 33067 3) E-Mailed
4) Applications should always be sent directly to our office to expedite service. 5) Applications may be taken online via E-App, I-GO or App-assist programs.
Tracking your Business
Broker Gear was designed to help agents track all of their pending cases
from one simple log-in. Agents with pending cases can track their
business by following the steps below:
1) Go to
www.carylevinson.com
2) No additional log-in is required
Click to view Case Status
View Cases by Agent
View only Agents
With Cases
View you’re Cases
Search for a Cases
Sort Cases by
Type & Status
View those cases
that meet search
Criteria
Cases are displayed by
Client name and have
Updated status
Cases are displayed
With requirements
And received items
Illustration Software Support-
Who do I call?
Assurity Life: 866-276-7619 ext. 4333/
American General: 414-443-5860
Genworth Life: 888-325-5433 ext.812555
West Coast Life: 800-366-9378 ext. 8375/
Aviva: 800-800-9882
Old Mutual/F&G: 800-445-6758
Transamerica FAMILY MARKETS: 877-454-4768 ext. 7833 North American: 800-800-3656 ext. 10411
ING: 888.792.8476
Lincoln: 800.335.9727 AXA: 800.777.6510
Prudential: 866.781.1778-Opt. 1, Opt. 3 John Hancock: 877.472.5005
Banner: 800.638.8428 Ext: 4129 MetLife: 877.638.0411
Life of the South West: 877.654.3499 Transamerica: 800.295.3990
Agent Discounts & Sales Programs
Agents working with Levinson & Associates have access to exclusive Sales Tools as well as several discounted programs found nowhere else in the industry. Discounted E&O‐ This program allows for Contracted Agents to sign up and print discounted E&O right from the website.Other Tools Available for 2010 • Discounted Lead Programs
WHO TO CALL AT LEVINSON & ASSOCIATES
Marketing Support
Bill Levinson-Vice President Ext.16
Joseph Loughran- Brokerage Manager/Life Settlements, Ext.11
Rupert Moore- Brokerage Manager/ LTC Specialist, Ext.21
Case Managers
Rhona Tobias, Ext.10
Debra Schulman, Ext.17
Irene Bobrowsky Ext.23
Michelle Pena Ext14
Heidi Fisher Ext.12
Licensing & Contracting
Karen Grosswirth, Ext.24
Administration
Cary A. Levinson-President, Ext.20
Bill Levinson-Vice President Ext.16
Ena Levinson-Office Manager/Accounting, Ext.12
Mailing Address
Cary A. Levinson & Associates, INC. 5551 N. University Dr. Suite 201
Coral Springs, Florida 33067
Phone & Fax
Toll Free: 800.375.2279 Direct: 954.746.9531
Fax: 954.746.9535
