Ask FIRST every call · Any YES = GI only — do NOT submit SI app
⚠️ RED — COMPLIANCEAny YES = stop all SI apps immediately. A decline creates a permanent MIB record. Tap once = YES (red), tap again = NO (green), tap again = reset.
Tap each question — YES or NO
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Step 2A — Condition Checklist
Click every condition the client has · Matrix updates instantly · Note expands on click
🟢 GREEN — DO THISAs the client mentions each condition, click it. AHL / Americo / Corebridge results show instantly. The agent note expands when selected. Click again to deselect.
No conditions selected
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Step 2B — Medication Lookup
Brand or generic name · 80+ medications · Carrier results + agent notes
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Search brand name, generic name, or drug class · Always verify in carrier eApp before submitting
Start typing to search 80+ medications with carrier-specific underwriting notes.
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Step 3 — Decision & Script
After health review — select the outcome and deliver the script
🟢 GREEN — DO THISAfter reviewing knockouts, conditions, and medications — click the correct outcome. Full-screen pivot script opens. Deliver it, close it, then move to the application.
✅ Level Benefit — Proceed to Quote
GOLD — Tone: Confident and warm. You found a great result. Move forward with energy — not relief.
"Great news — based on everything you shared with me, you qualify for full day-one coverage."
"From the moment this policy is active — [beneficiary name] receives the full [face amount] if anything happens to you. Day one. No waiting periods. No restrictions."
"This also comes with a living benefit built in at no extra cost — if you were ever diagnosed with a terminal illness, you can access up to 50% of that benefit while you're still here."
"The rate locks in today and never increases. The benefit never decreases. Pays directly to [beneficiary name] — no probate, no waiting, just a check."
"[Name] — which of those checks would you rather hand to [beneficiary name]?"⏸ Complete silence. Do not speak. First person to speak has the pressure. That person is not you.
⚠️ Graded / Modified — Pivot Script
NEVER say: "2-year wait" · "3-year wait" · "waiting period" · "graded policy" — never ALWAYS say: "first 24 months" · "accumulation period" · "guaranteed return on every dollar"
GOLD — Tone: Confident and positive. You are delivering features — not limitations. Lead with day-one accident coverage every time.
"Alright — here's what I found, and let me walk you through everything this comes with because there's more here than most people realize."
"Starting the moment this is active — day one — if something accidental happens, [beneficiary name] receives the full [face amount]. Slip and fall, car accident, anything accidental — full benefit, immediately. Locked in today."
"This policy also comes with a living benefit built right in at no extra cost. Terminal illness means you can access up to 50% of that benefit while you're still here. Directly to you. No restrictions."
"Now here's the part I really want you to hear. During the first [24 or 36] months — [beneficiary name] doesn't get nothing. Not even close. They receive every single dollar paid into this policy, plus a guaranteed return on top of that."
"Think about that — where do you go today and get a guaranteed return on your money? Your bank? The market doesn't guarantee anything. This does. Every dollar. Guaranteed."
"And after that period — the full [face amount] is there permanently for [beneficiary name]. Locked in. Never changes. Never reviewed."
"[Name] — which of those checks would you rather hand to [beneficiary name]?"⏸ Count to 4. When it feels unbearable — you are at 40%. Hold one more second. First person to speak has the pressure. That person is not you.
🔴 GI Only — Guaranteed Issue Pivot Script
STOP: Do NOT submit any SI application — a decline creates a MIB record that makes future coverage harder. Go directly to a Guaranteed Issue Whole Life product (no health questions) from your carrier lineup.
GOLD — Tone: Warm, matter-of-fact. Frame GI as the solution — not a consolation prize. Never apologetic. "Here's what I found" — never "unfortunately."
"Here's what I found — and I want to be straight with you because I think you're actually going to love this part."
"There's a product where there are no health questions at all. You qualify automatically — your health history doesn't matter, period."
"From the moment this is active — day one — if something accidental happens, [beneficiary name] receives the full benefit immediately."
"And during the first 24 months on natural causes — every single dollar you paid in is guaranteed to come back to [beneficiary name] — plus 10% on top. Guaranteed."
"Where do you go today and get a guaranteed 10% return on your money? You can't. This does it. Every dollar. Guaranteed."
"After that period — full coverage permanently. Locked in forever. Never reviewed again."
"[Name] — which of those checks would you rather hand to [beneficiary name]?"⏸ Complete silence. Do not speak. Hold it until they respond. First person to speak has the pressure. That is not you.