life operations

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Think Life.

Supporting your life insurance business through superior ideas and support.


quick facts
  • From the basic wealth transfer case to the more complex estate planning and premium finance scenarios, your AE Life team can do it all.
  • All you have to do is take the application – your Life team takes it from there.

At Advisors Excel, we look forward to supporting your life insurance business and helping you grow your business! Whether you’re a new player in the life insurance game or a seasoned million-dollar target producer, your AE Life Team is here for you!

Adding life insurance to your product offerings not only makes you a more well-rounded producer, but it also ensures you are able to help your clients reach their financial goals in the most effective, tax-efficient manner possible. From the basic wealth transfer case to the more complex estate planning and premium finance scenarios, your AE Life team can do it all.

Clients today aren’t looking for a product.

They’re looking for a strategy—and our Life team will help your clients reach their goals, while growing your revenue at the same time. Your Life VP will help you take your business to new heights by teaching you ways to seamlessly incorporate life insurance sales into your existing practice. We will also help you integrate these tools into your normal review process with clients so there are no additional marketing expenses for your practice. 

Do you avoid writing life insurance because it is just too complicated and time consuming? We can take care of that, too! Not only will you have a dedicated Life VP of Marketing, you will also have an entire dedicated processing team! All you have to do is take the application – your Life team takes it from there. We schedule Paramedical Exams, order the Attending Physician Statements, follow through with all underwriting requirements and deliver issued policies directly to you. From concept to commission, your AE Life team is here to work for you!

CLICK HERE to learn more about our Life Marketing Team.

The Life Process

Our goal at Advisors Excel is to streamline the new business process in order to increase the speed of issuing policies and to improve our underwriting offers. To achieve efficiency, it is very important that all the medical information is directed to our processing center prior to submission to the carriers.

The most efficient process from a carrier standpoint is to submit a complete package which includes the application, exam, doctors records and cover letter. When carriers receive these types of bundles, as opposed to a piece at a time, your cases will get issued quicker. We will request and review the medical records ourselves so we have them on file in case we need them at again at some point. With this information, we will direct the business to the carrier that will accept your cases at the highest possible rating class for your client.

Flow Chart when you Submit an Application to Advisors Excel 
First 48 Hours 

  • Application is scrubbed for accuracy and to generate any additional requirements
  • Exams are ordered

Once Exams Results are received 

  • On any case where the client is age 60 or older, the premium is $5,000 or higher or the pre-formal exam questionnaire yields a “yes” answer, the exam will be reviewed by the Chief In-House Underwriter
  • In the event that they are needed APS’s are ordered
  • Within 48 hours the file will be forwarded with the application to the carrier 

Once Carrier Receives Application 

  • Weekly case follow-ups to assist in pushing the case through underwriting and policy issue.

This simple process allows you to have a medical underwriting professional on your team when those tough underwriting situations come up. We look forward to assisting you in placing your life cases quicker and at the best possible rating class.

Let's turn to the impact we could have for you on the case design side:
Advisors Excel advisor "Waldo" came to us with a $1.1 million IRA from which the clients did not need income. “Waldo wanted us to look at taking that money out and purchase life insurance on a 10 pay basis. After showing him that strategy and the benefit that it provided, we then proposed a strategy utilizing our Life Leverage Plan. Our Life Leverage system generated an additional $200,000 to $400,000 for the client’s beneficiaries (totaling $3.7-$3.9 million tax free) while “Waldo" increased his commission on the case from $50,000 to $130,000 in the process. The client absolutely loved our proposal and jumped at the opportunity to pass on their estate more efficiently.       

Companies We Work With

American General
Allianz
Aviva Life & Annuity (formerly Indianapolis Life)
AXA
Columbus
Genworth Financial companies
ING
John Hancock
John Hancock NY
John Hancock USA
Lafayette Life
Life of the Soutwest
Lincoln Benefit Life
Lincoln Life & Annuity NY
Lincoln National Life
Met Life
Minnesota Life
Mutual of Omaha
National Guardian Life

North American
North American of New York
Pacific Life
Principal Financial Group
Phoenix
Penn Mutual
Prudential Life
Sagicor
Transamerica
West Coast Life

Lifeline

Click here to read our latest AE Lifeline.

Producers should encourage clients to consult their tax and/or legal professional for guidance with their individual situation when dealings with tax and legal matters.
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Help your clients reach their financial goals in the most effective, tax-efficient manner possible



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