Life sales run on long cycles, underwriting delays, and beneficiary conversations. ALE tracks the policy from lead to placed to in force review, without losing the thread.
Life insurance has more stages than P&C and longer time in each. The pipeline reflects that.
Inbound quote request, Facebook lead, referral, or cold list contact entered.
Discovery call scheduled and held, coverage amount and type identified.
Proposal delivered with carrier options, tracked as read via email.
Application signed and sent to carrier. Auto follow up sequence starts.
Medical exam scheduled, attending physician statements chased, carrier status tracked weekly.
Carrier offers policy at class. Agent reviews with client, accept or counter.
Policy delivered and accepted, initial premium paid, commission earned.
Annual review touches, coverage adequacy check, cross sell to spouse or children.
Most lapsed sales are lost in underwriting, not at quote. Automation keeps the app moving.
Client gets SMS and email reminder 48 hours and day of paramed exam. No shows triggered a reschedule flow.
If attending physician statement is outstanding beyond 14 days, auto outreach to carrier rep and client to nudge the doctor office.
Client gets a weekly SMS status update during underwriting so they do not feel abandoned.
Once offer comes back, client has 10 day decision window with reminder touches on day 3, 7, 9.
Annual reviews drive cross sell, referral, and retention. Automated reminders make them actually happen.
SMS and email on policy anniversary with offer to review coverage.
New baby, home purchase, marriage, job change fields trigger re evaluation prompts.
Family members tagged on contact record with automated offers at relevant milestones.
Term conversion windows tracked and client notified before expiration.
Annual nudge to confirm beneficiary designations are current.
Post placement and post in force review are the high trust moments. Auto referral asks fire then.
| Product | Pipeline Fit | Key Automation |
|---|---|---|
| Term Life | Standard 8 stage | Conversion window reminders before term end |
| Whole Life | Standard 8 stage | Annual cash value review invite |
| IUL | Extended discovery | Index credit update touches, illustration refresh |
| Final Expense | Fast close pipeline | Payment method health check, lapse prevention |
| Annuities | Consultative pipeline | Rate change alerts, RMD reminders |
Book a call. We will walk through the life pipeline, underwriting automations, and in force review stack.