Dashboard
Your snapshot — synced live with HCMS.
Production Progress
Synced automatically from HCMSKeep writing — every policy moves this bar.
Book of Business
Every policy, premium, and status in one view — this is the engine room. Keep it clean.
HCMS IP Tracker
Expected IP by Effective DateDial Tracker
Resets at midnight — logged automatically to your history.
Dial History
New Agents
Review access requests, manage active agents, and approve state-licensing requests. Everything here is stored in this browser only — see the note in your reply for what a real backend would add.
Pending Access Requests
Active Agents
Pending State License Requests
Audit Log
A record of admin activity — who viewed which agent's portal, what got approved or denied, and what was changed while impersonating an agent. Visible to you only, even if you grant another agent admin access.
Underwriting Wizard
Flag conditions on the left, get live carrier guidance on the right.
📋 Underwriting Wizard Terminology Guide
| Status | Term | Meaning | Coverage Type | Agent Commission |
|---|---|---|---|---|
| ✓ Accepted | Level, Select 1, Select, Preferred | Best health tier the carrier offers for that condition. | Day 1 coverage — full death benefit from the day the policy is issued. | Full commission |
| ✓ Accepted | Select 2, Standard | Moderate health issues. Slightly higher premium than the top tier. | Day 1 coverage | Full commission |
| ⚠ Graded | Graded, Modified | Limited death benefit for the first 2 policy years: Year 1 pays <30% of the death benefit, Year 2 <70%, Year 3 <100% (full benefit from then on). | Graded death benefit | Up to 40% commission cut |
| Return of Premium | Guaranteed Issue (GI), Return of Premium (ROP) | If death occurs in the first 2 years, the policy refunds all premiums paid instead of the death benefit. After 2 years, it pays the full death benefit. | 2-year waiting period | Up to 40% commission cut |
| ✗ Decline | Decline | The carrier will not offer coverage for this condition at all. | No coverage | N/A |
👤 Client Profile
♡ Medical History
Ask each question during the call. Tap to flag, then choose the specific condition.
Live Underwriting Analysis
→ Application Writing Order
Full Whole Life Cheat SheetOpenQuick Reference
- Alarming conditions (heart, breathing, kidney/liver) → Quote TransAmerica first.
- Average conditions (diabetes, neuropathy, non-serious cancer) → Quote Corebridge SIWL first.
- Signatures must always be sent to the client's actual phone number.
- Always check height/weight against the build chart before submitting.
- For debit card payments, write Corebridge SIWL (full advance).
- Use the Condition → Carrier Lookup below for the full condition-by-condition breakdown across all six carriers, straight from the Whole Life Cheat Sheet.
🔎 Condition → Carrier Lookup
Type a health condition to see exactly where Corebridge, American-Amicable, Americo, Transamerica, Aetna, and Mutual of Omaha land on it — and which carrier to quote first.
💳 Carrier Payment Methods
Agency Calendar
Trainings, contests, and team meetings, all in one place.
Weekly Meetings
| Meeting | Day | Time | Host |
|---|---|---|---|
| Weekly Agency Call | Monday | 9:00 AM | Jaxson Wilson |
| Team Training | Thursday | 6:00 PM | Jaxson Wilson |
| New Agent Onboarding | Friday | 2:00 PM | Jaxson Wilson |
Calendar
- Team Training — every Thursday, 6:00 PM
- Weekly Agency Call — Mondays, 9:00 AM
- New Agent Onboarding — this Friday
Carrier Links
Direct contact info, carrier portals, and e-app quick access.
Transamerica
Phone: (877) 234-4848 · Email: finalexpensenewbus@transamerica.com
Rep: Sample Rep Name
Mutual of Omaha
Phone: (800) 775-7896 · Email: Liferequirements@mutualofomaha.com
Rep: Sample Rep Name
Licensing
Click a state to mark it licensed. Click again to remove it.
State Fees & Approval Timelines
Click any state to see its non-resident license fee and typical approval timeline (2024 NIPR fee schedule + $5.60 NIPR transaction fee).
Producer Registry →
Steps to Buy Licenses
Start at: nipr.com
- Click Start Now
- Individual
- Verify NPN or SSN
- Click Start
- Producer Licensing
- Initial
- Non-Resident
- Select State(s)
- Insurance Producer (Life)
- Finish Application
- Submit & Pay
- Wait for Accepted Email
Quotes & Toolkits
Pull carrier quotes & start applications.
If the tool doesn't load above (some sites block embedding), use "Open in New Tab."
Scripts
Reference scripts for calls and appointments.
FEX Script
Call-In Script
Mortgage Protection Script
IUL Script
Trucker IUL Script
Leads
Where your leads come from — organized by source.
Outbound Vendors
Inbound Platforms
Transfer Calls
University
Everything you need to sharpen your craft — pick a track and start learning.
Hierarchy
See who reports to whom across the agency.
Teams
Your team roster and standing — only the top 5 producing agents count toward each week's team score.
Competitions
Live leaderboards — your production updates these automatically as you add policies.
Individual Competition
Team Competition
Weekly Team Bracket
Achievements
Icons stay locked and blacked out until you hit the requirement — then they light up for good.