Life is the longest sales cycle in insurance. 30 to 90 day underwriting, medical exams, lab work, APS requests. ALE tracks every pending, every requirement, and every policy in force so you know what to work today and what renews next year.
Most CRMs built for P&C break when you try to run life. Underwriting pendings sit in your inbox for weeks. Policy anniversaries disappear. Cross sell from term to whole never happens. ALE ships with a life specific pipeline out of the box.
30 percent of submitted life apps stall waiting on APS, exam, or lab work. Without a pending requirement tracker, they fall out.
Life policies renew annually but rarely get a touch. Beneficiary reviews, term conversion windows, IUL overloan risk all get missed.
Client bought 20 year term at age 35. Best whole life conversion window is years 5 to 10. Most agents miss it entirely.
Quoted, Application, Underwriting, Approved, Issued, In Force. Every stage has a typical aging threshold and a reminder.
APS, exam, lab, financial underwriting all tracked per case. Auto text to client when a requirement comes in late.
Every in force policy triggers a 30 days pre anniversary email and a beneficiary review SMS. Retention jumps.
Term policies fire a conversion window task at year 5 and year 10 of the policy. Warm leads inside your own book.
3 days after policy issue, a congrats SMS asks for a referral. Life clients refer family and financial advisors.
AML forms, 1035 exchange tracking, and replacement disclosure logging built in. Stay audit ready.
High volume term applications, short cycle. Need requirement tracking and fast follow up to prevent APS dropout.
Door to door and inbound lead mix. Need dialer integration, pipeline tracking, and issue to in force workflow.
Long sales cycle, large case sizes. Need retention, annual reviews, and policy performance touch automation.
Recruiting and managing downline producers. Need pipeline rollup, commission tracking, and shared lead distribution.
Life pipeline, requirement tracking, SMS, review generation. Good for solo life producers under 10 apps per month.
Add AI receptionist, dialer integration, MGA downline features. Standard for 15+ apps per month or team builders.
Book a 20 minute demo. We will walk through the life pipeline, requirement tracker, and policy anniversary automation.