Agent Benefits: Quote and Sell Insurance on Navigator

Oct. 19, 2023

Any experienced life insurance agent understands that success isn’t dictated by the number of policies you sell, but rather by the quality of those policies. Matching your clients with options that best fit their unique needs is what will elevate your work and secure more business in the future.

Everything from the type of policy to the coverage amount needs to be carefully considered, and sometimes that process comes with a learning curve. To that end, technology that supports your work can remove the friction of finding the right policy while strengthening your position as a trusted agent. Symmetry parent company, Quility, created a platform designed to do just that.

Navigator, the future of insurtech, is a premier platform for Symmetry agents to quote and sell life insurance products. It’s also a user-friendly, best-fit pre-underwriting and quoting tool to find the right digital product to meet the client’s need, with a high probability of “approved as applied.”

Client engagement

Client engagement is paramount to the success of a life insurance agent. Purchasing a life insurance policy requires trust and connection, and treating your clients like a customer is a sure way to destroy that trust. Make it a priority to build personal relationships with your clients. Understand the details of their family life, work life and what matters most as means of better understanding their financial needs and building engagement.

With that in mind, it’s the responsibility of the agent to find ways to engage with their clients throughout the process. Whether that be finding the perfect insurance solution to fit their financial goals or pinpointing the correct amount of coverage to meet that goal, engaging with your clients boils down to understanding their specific needs.

Navigator to the rescue

Navigator (built by our parent company, Quility) is the best-fit product selector and quoter that offers a frictionless insurance purchasing process for your clients. Not only does it allow for a better experience for your clients, but it also gives you access to proprietary products that support competitive commission rates, term lengths, coverage amounts and unique riders.

With Navigator, you can help find the right digital product for your clients by leveraging data-driven intelligence on platform. By using Navigator, Symmetry agents will see a 90% likelihood of their clients being approved as applied for, and application completion can be as fast as 10 minutes.

Navigator is a unique-to-the-industry tool that agents with Symmetry can use to streamline their business while accessing digital products their clients won’t find anywhere else.

Quility’s Digital Products

Quility understands the importance of reimagining the future of life insurance and aims to make the purchasing and sales experience as frictionless as possible. Beyond that, Quility’s digital life insurance products are designed to meet the needs of an ever-evolving client base.

Their ever-growing suite of digital products helps Symmetry agents and their clients find coverage that is personalized to fit their unique needs. More than that, these life insurance products are affordable and easy to apply and qualify for.

Symmetry agents will find these products available to their clients through Navigator, and while using the platform, they can zero in on the type and amount of coverage that meets the client need most effectively. Their existing portfolio of products is evidence of their innovation in the life insurance industry and gives everyone involved a truly digital purchasing experience.

Quility Level Term

Quility Level Term (QLT) was the first of many efforts by Quility to create a supply for the increasing demand for digital products. In collaboration with SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts), Quility created this instant-decision term life policy with an entirely digital application process.

QLT boasts a set of unique policy riders that allows clients to further customize their coverage and address what matters most for their financial goals. QLT also offers clients flexible term lengths from 10 to 30-year terms, so they can secure coverage for the length of time that makes the most sense.

Quility Term Plus

Building off the momentum of QLT, Quility created its next installation in the digital product space — Quility Term Plus (QTP). Supported by Legal & General, QTP is a renewable term life policy with even more flexible term lengths. While most term life coverage works in intervals of 10, QTP offers clients a more exact term length with intervals of five between 10 and 40-year terms.

With a max face coverage amount of two million dollars, Quility Term Plus is true to its name by offering even more flexibility for clients.

Quility Secure Future Preferred

Quility’s proprietary product suite doesn’t just include term life; next up is an instant-issue final expense whole life policy issued by American-Amicable Life Insurance Company of Texas — Quility Secure Future Preferred (QSFP).

This policy can be applied for and issued in less than 10 minutes, making it one of the most accessible (and simplest) final expense products in the insurance industry. Unlike traditional final expense policies, Quility Secure Future Preferred is targeted to healthier clients between the ages of 50 and 85 who want a higher amount of permanent coverage.

While a lot of Quility’s digital offerings are meant to appeal to younger generations looking at coverage, QSFP is an example of how Symmetry agents can meet the financial needs of every generation.

With face amounts ranging from $5,000 to $100,000, Quility Secure Future Preferred is another flexible life insurance policy within Quility’s growing suite of products.

Charitable giving rider

If that wasn’t enough, all existing Quility digital products come with the truly unique charitable giving rider.

Your client's policy can include a charitable giving rider at no additional cost to them or the death benefit. During the application, they can select a registered 501(c)(3) organization, and if they pass away while the policy is active, the insurance carrier will donate a percentage of the policy’s face value to that organization.

By purchasing a Quility-owned product the charitable donation does not subtract money from the death benefit or increase monthly payments while the client is still alive.

Remove the friction with Navigator

Navigator is an example of insurtech that is transforming how life insurance is bought and sold. This proprietary platform gives Symmetry agents a single platform to set their clients up with the most ideal life insurance policy for them.

It’s a powerful tool to have in your wheelhouse and a reason to work harder when helping families protect what matters most.

As a Symmetry agent, you will have access to high-quality life insurance, disability income insurance, critical illness insurance, and annuity products from more than 30 well-known insurance companies. This gives you the flexibility and reach you need to tailor plans to meet clients' individual coverage needs.

To learn more about how to begin a fulfilling career as a life insurance agent, contact us today.


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