Application Machine

Life, Annuity, Supplemental, Employee Voluntary Benefits, Employer Group products, Property & Casualty… you name it. If your products involve business rules, state-commission-approved forms, or compliance regulations, then Application Machine can power your business.

Generate completed state-commission-approved forms in real-time for review and e-signature.  Include only those forms appropriate to the selected coverage. Dynamically include and sign all required disclosures or ancillary forms as needed.

Offer an unlimited suite of products in the same single application session, leveraging common data across multiple products and presenting all requested coverages in a single package at enrollment conclusion for review and signature.

Capture binding and compliant signatures through a variety of pathways. Agent-assisted mode for in-person sessions with an applicant facilitates instant e-signature by all parties. Remote-signature allows agents to perform remote applications then email completed forms to applicant for remote e-signature. Self-directed allows agents, carriers, or employers to give applicants a unique link for self-paced application and signature, routing to agent for compliant review and signature. 100% Phone-based interviews and voice signatures can also be captured via our Personal Call Center premium add-on.

Use your unique business logic to drive the machine to request the right data at the right time, asking only what is truly needed for each unique app. Logic not only validates proper data entry, but also that inter-data constraints are met (eligibility, coverage maximums, spouse limits based on other selections, etc.), thus eliminating application and processing errors.

Deploy state-specific forms based on situs- or application-location. Dynamically filter products offered according to applicant location at time of application session.

Offer applicants a variety of products in a single session, even when the products present multiple overlapping criteria and constraints. Application Machine will dynamically assemble the interview steps into an optimized flow to efficiently capture information. Benefit Carriers can mix group and individual products. Brokers can mix annuity products with P&C applications. Separate spouse applications can be combined into a single efficient flow.

Setup cases easily to enroll common employer groups, association groups, or any collective under a common set of products and enrollment criteria. Upload and manage census data (including optional salary info) to make online enrollments lightening fast. Whether groups of a few, or tens of thousands, organize your enrollments to fit your business.

Control access and visibility by agents to select cases or groups of cases, while Home Office personal maintain access to applications across the board.

Search and report on applications by product, agent, application status, sales channel, employer group, or across a variety of other criteria. Export enrollment data into spreadsheets or external systems for extended analysis or processing.

Choose real-time or bulk delivery of application PDFs and EDI data files. Advanced data delivery options and API integration also available.