|
Q: How does the TeleLife...via fax or online paperless submissions...benefit me over traditional application procedures?
A: With TeleLife you only have to spend a few minutes completing the initial submission. You don't leave your office, you don't get client signatures, you don't have to meet face-to-face with the
client. A few minutes and you're done! The TeleLife unit takes care of everything else. They call your client within 48 hours
and during the 15 minute interview they also make arrangements for the paramed exam.
Q: Are my commissions different with TeleLife than with the traditional application process?
A: Your commission percetage is exactly the same...BUT, your profit is much higher with TeleLife since you don't
have to drive to meet with the client, sit with him/her, drive back to your office, photo copy and mail the application,
order the paramed exam, double check to make sure the exam was done, and all the other busy work and expenses associated
with the traditional submission processes of other companies.
Q: How does TeleLife's fax processing differ from the paperless online submission processing?
A: They differ only with your initial submission preference. The choice is yours...either fax or online!
When you fax the hard-copy TeleLife pre-application form to us you have to make sure you also fax us any other
applicable forms that require your signature as the writing agent, such as replacement forms, and state specific authorization
forms...and you have to make sure those forms are current.
With the paperless online submission process all of the proper state forms are provided on-screen as you answer
the applicable questions, such as the state of sale and whether replacement is involved. With the online submission you don't have to worry
about current supplies or a checklist of forms! The online submission is then processed by the same dynamite TeleLife unit as
faxed applications. Your initial submission preference is the only difference.
Q: After my TeleLife submission, what happens if the TeleLife unit doesn't reach my client when they call
to complete the interview?
A: The TeleLife unit will make their first attempt to call your client with 48 hours, or whenever your submission instructs the
best time/day to be. If they get no answer they will try 24 hours later and they will do this three times. If they get a voicemail
they will identify themselves in the message they leave as well as the return phone number and then wait 48 hours before they
try again. They will do this twice. If they don't get a response to their attempts they will mail a postcard to your client stating
noting their attempts, and provide the return phone number again. TeleLife will then hold the submission for 6 months in case the client
does eventually return the call.
Q: Are there any bi-lingual TeleLife interviewers?
A: Simply indicate on the TeleLife submission that your client prefers to complete the interview in Spanish and a
Spanish speaking representative will be sure to make the interview call! However, make sure they understand the application that will be sent for them to review, and the policy itself, will be in English.
Q: How has TeleLife changed since it was introduced?
A: TeleLife was introduced in 1995 by the Kemper Insurance Companies. It took a few years for the process to mature and for the process to be brought to a "fine
science". With the commitment of the proper resources and with a pro-active dedication, TeleLife now flows seamlessly. The
standards and goals set for the processing unit are continuously met and exceeded. For example, clients returning calls to the
TeleLife operations unit typically have their calls answered within three rings. The application packet is sent out to the client promptly
via Priority mail. TeleLife is now made available for West Coast Life and Protective Life products through their acquisition of the Kemper/Zurich/Chase companies.
Q: Is the TeleLife underwriting process faster than the traditional application process?
A: Although TeleLife was designed to be easier for you, we have found that
many times the result is also a faster process. This is a result of the professional in-depth interviews that the TeleLife interviewers conduct with your client. The TeleLife representatives are trained to
get details, and this results in the need for fewer APS's.
Q: What phone number can my clients call to ask questions or to complete an interview?
A: 1-888-800-6608
Prompt 1 = Customers for interview
Prompt 2 = Paramed status/questions
Prompt 5 = Spanish speaking customers
Other contact information for the TeleLife unit is fax 888-615-9619 and telelife@wclife.com.
Q: How do I get setup to do the online paperless submissions?
A: Once you are appointed with West Coast Life simply go to their website at www.westcoastlife.com and register for access. With Protective Life you can utilize TeleLife Web via the username and password you registered for to logon to their website. If you have not done so, yet, please contact Jeff at ext. 225.
Q: What about Child Riders?
A: On the TeleLife one-page fax simple make a note that a child rider is to be added. When the TeleLife unit conducts the phone interview with your client they will get all the pertinent info. This is not required for the online paperless submissions as the information is captured electronically.
Q: What do I do with a check if the proposed insured wants to bind coverage via a Conditional Receipt?
A: If you fax the TeleLife app to us, fax a copy of the check, too. If you use the online paperless submission, that process will capture the payment information and submit it electronically. Either way, then just mail the check to us. The rules for a conditional receipt are:
Applicant must be under 65 years old
Face amount must not be more than $500,000
There are two kinds of "TeleLife" apps...they vary by state. You cannot offer conditional receipt if your state requires use of a Request For Interview TeleLife app instead of the Application For Individual Insurance TeleLife app. Each TeleLife app clearly states in the top left hand corner of the form which type is applicable for your state.
Q: How do I handle replacement forms?
A: If you fax the TeleLife to us just sign the replacement form as the writing agent and fax it to us when you fax the TeleLife app. The examiner will get the insured's signature on the replacement form at the time of the exam. For the online paperless submission, the agent information for replacement is captured in the online process and submitted electronically.
Q: If I'm not already appointed with West Coast Life or Protective Life, how can I quickly do so?
A: Just send us an e-mail. We'll quickly reply with the appointment forms attached.
|