If You Want To Close Clients On Your First Appointment, Read This.

Here's how it works.

The system builds a custom presentation for every prospect, from their own numbers. It's easy to say yes to because those numbers prove three things: this gets them out of debt, it leaves them with cash, and they can do it without changing how they live.

Then the application is one click away, and underwriting runs while they're still in the chair.

1. 1. Their own numbers are on the screen in the first meeting.

   You text them two links. They tap agree, and every debt on their credit file shows up with the balance and the minimum payment. It's a soft pull, so there's no hit to their score, and nobody goes home to dig up statements.

2. 2. It finds the premium without touching their lifestyle.

   Four questions find money that's already going out the door every month, and that's what pays the premium. The prospect watches you find it. No new money.

3. 3. It proves they get out of debt and keep the cash.

   First the screen shows how much of their payment is pure interest right now.

   Then it puts two lines on one chart, year by year: their debt going down and the cash in their policy going up. Under it, each of their debts by name with the month it's gone. So they see exactly when cash replaces their debt.

   That cash line is guaranteed values only, no dividends assumed.

4. 4. The app is one click from that screen, already filled in.

   You're inside the carrier's e-app with the prospect's information in place. They sign it in the same sitting.

5. 5. Underwriting starts while they're still there.

   The underwriting is rules-based, so the decision doesn't wait on a person. That's how applicants from 25 to 60 can get an instant decision, and if the case is under the carrier's instant-issue limit, there's no exam.

   It's set up to take someone who'd normally get rated, a Table 4, and issue them at standard. So high blood pressure or controlled diabetes can still get an instant yes. Anything it can't score goes to a live underwriter instead of a decline.

6. 6. You get paid in days, not weeks.

   Approved policies have issued in 24 hours.

7. 7. It tracks every client's plan for years, and tells you both the day it's time to act.

   The carrier talks to the system every day. When there's enough cash in a client's policy to knock out their next debt, you and the client get a text. You never check a balance by hand, and you never wonder which client is due.

   Every one of those texts puts the client back in front of you. The agents who've run this longest say that's where the second policy and the referrals come from.