Blog

Vendors

• Inbound -> Qualification Time
  • This works as other a data point reference for the qualification time to be charged on an inbound vendor.
  • There is a system option that will allow you to show the QT time on the lead itself for those of you not using the Dialer. Just enable it and if a QT time is Set it will show up.
  • Added QT Time to the Vendor Table as it is an important info item.
  • When working in conjunction with TLDialer, the QT Time will be displayed next to the timer on the right in light blue. QTtime is in seconds.
    • This will give you agents a clue as to how fast they need to talk with the lead before hanging up and incurring a charge.
    • Coming soon: On Hangup of the Call, a call to TLD will be fired with the elapsed time. If there is a QT set, and the elapsed time is less than the QT time, the default cost will be removed from the lead and set to 0. This should help with CPA reporting.

TLDialer

• Fixed some login, logout and status workflows.
• Added debug panel
• Recordings shouldn’t go bonkers anymore with notifications

Uploader

• Added ability to Update Lead when a duplicate lead if found. This works alongside the attach notes / policies / dependents to lead feature.
  • Coming Soon! Update Policy based on Criteria

Lead

• New Lead Fields
  • Assigned ID / Assigned Agent
    • This field is meant to allow you to assign a lead to an agent to show up in the “My Leads” section.
    • You can assign and Agent and set the Date Assigned right on the lead if you are an admin, superadmin or Manager.
    • You can assign and set the date in the Mass Edit feature in the lead section as well.
    • Assigned Agent and Assigned Agent Date can now be set in the lead uploader
  • Date Assigned
    • Settable date when you assign a lead to an agent. Can be used to calculate when it should no longer be that agents lead.
      • We will probably create a background process that will reassign leads to the system user when a lead has expired. We may opt to use Campaigns to do this in the future!
  •  Link
    • Will produce a link to lead a link.
    • Added to lead uploader and post system.
  • Image
    • Will load and show an external image and also open the image on click.
    • Added to lead uploader and post system.
• Updated Lead Fields
  • Owner ID
    • Now returns a User ID in the following order:
    • Agent ID (Converter)
    • Assigned ID
    • Creator ID
  • Owner Group ID
    • Now returns a Group ID in the following order:
    • Agent ID (Converter)
    • Assigned ID
    • Creator ID

Dashboard

Dashboard got some visual updates. We standardized the links to look more like buttons. They are very large so they won’t be missed easily. We added the My Business buttons in the agent dashboard so they can easily be opened on mobile as well as desktop. You will also see your “My Filters” if any are set for quick access.

My Leads

The my leads section now works with the agent assignment system. This is great for agencies where manual distribution is necessary.

Uploader

• Added Options Button to Uploader
  • Dupe Criteria
    • You can now override default dupe check to check by the following
      • Name (First and Last)
      • Phone
      • All Phones (1 OR 2 OR 3)
      • Email
      • Address (Like)
      • City (Like)
      • State
      • County (Like)
      • Zipcode (Like)
      • Reference ID
      • Referrer
  • Attach Notes / Policies / Dependents to Dupes
    • This will make it so that when a dupe is encountered, it will attach any notes, policies or dependent to the duplicate lead. This will be shown as success code 2.
    • You can use this to updated notes from other CRM’s where you have unique data in the system. When you upload leads we recommend to use the referrer and reference ID fields to mark the unique ID in another system so it is easy to update.
  • Bypass Default Dupe Check
    • This will allow you to upload leads and policies that do not have a phone or email present. Useful for bringing clients in from other systems where data is missing or not available. This will work in conjunction with the Dupe Criteria checkboxes. So if you choose Name as the criteria it will still check dupes, just not require a phone or email. If you choose phone and choose bypass, it will still check for phones but will check for a blank phone if none is provided.
• Fixed Bug: Some User fields were not being added on upload to policies, this has been corrected

Mobile

• Made Mobile Quote Tool links easier to see.

Admin Dashboard

• Tables can now be sorted by clicking the column.
• Tables now have total information in the footer.

Users

• The system user should always be visible now and selectable and active. It will show (MASTER) next to it.

We added a ton of life insurance based fields this patch, don’t worry though! If you don’t want them you can disable them in the Options section under Data and Hide Policy Fields. These new fields will give us more flexibility in the future and all have been standardized per our research. If we are missing some data options, please let us know!

Policy Statuses

We added some new Policy Statuses! We also cleaned up some of the workflow (Which buttons show when). We tested it pretty thoroughly but if something isn’t working as intended please let us know.

What Changed?

• “Pending” Statuses no longer show up before Submission as most people have moved away from this workflow.
  • To use a “Pending” status you should submit the policy, then move the Policy into the appropriate pending status.
    • This way the Sale Date gets stamped on the lead because the policy was indeed submitted to the carrier at that point.
    • You can reactivate the policy once it moved out of pending, or set it to a negative or other pending status.
• “Renewal” statuses related to payments now only show on Active policies, or Lapsed / Termed or other Renewal Policies. Normal payment issue statuses will show otherwise. They only cross paths on an Active Policy.
• All pending statuses now show as yellow “In Work”.

As usual, you can disable some of these statuses from showing in the dialer section if you don’t want to use them.

• New Pending Statuses
  • Pending: Approved
    • Policy is approved by underwriting but not yet placed or in force.
  • Pending: Finalized
    • Work on the approval process has been done by case manager, but waiting for underwriting.
• New Interrupted Statuses
  • Death Claim
    • Client died and a death claim has been made.
  • Payment Issue (General)
    • This is a generic payment issue for use after a policy is active as well as during the verification and submission process.
• New Cancelled Statuses
  • Cancelled: Client Deceased
    • Client has passed away and the policy is cancelled.
  • Cancelled: Rescinded
    • Cancelled due to Wrong medical information provided on an app, MIB Report being different than the information on the app. This can also happen at the time of Death Claim. It would be the final status over Client Deceased if this was the case.
  • Cancelled: Client Surrendered
    • The client themselves called and cancelled the policy.

Workflow Theory for Life Insurance where Sale is made after Approval.

• Press Sale
• Press Verify
• Press Pending Approval
• Press Pending: Finalized
• Press Pending: Approved
• Press Submit
• Press Pending Pending Carrier Payout

Alternate Workflow Theory for Life Insurance where Sale is made before Approval

• Press Sale
• Press Verify
• Press Submit
• Press Pending Approval
• Press Pending: Finalized
• Press Pending: Approved
• Press Pending Carrier Payout
• Press Reactivate

Products

• Added new Validation Rules
  • Student Age Limit
  • Child Only Age Limit
    • This is for Child Only Plans, where the owner is the primary contact but the covered person is the dependent child.
  • Maximum Dependents
  • Maximum Children
• Coming Soon: Internal Product Quote and Pricing Tool
  • We have been working hard on the “Pricing” section of our Product system It has become exceptionally robust and allows for you to fill in premiums, enrollment fees and admin fees for nearly any combination of allowed options.
  • We are looking into a way to lock users into having to choose the available options. At the start, they will be just clickable suggestions.
  • We built this to grow in the future. We can add new criteria at will and make it as complex or simple as needed. We may even be able to use it for marking commissions or points.
  • We have added tons of tools to make it easy to fill out the data.
    • You can filter individual permutation columns so you can search for permutations that are the same and use our copy tools to auto fill the costs.
    • You can auto fill either blanks in the same column, overwrite everything below a certain permutation’s column, or copy over all permutations in that column. This makes data entry a snap.
    • We will be providing system standardized configurations for certain products in the future as we get them. You will be able to copy the defaults in with the click of a button if provided.

Here are some screenshots of our new Pricing configuration tool! We are really proud of this!

Policies

• New Billing Field
  • Billing Cycle
    • Monthly
    • Quarterly
    • Semi-Annually
    • Annually
• New Life Fields
  • Paid Up
    • 7  Pay
    • 10 Pay
    • 20 Pay
    • Pay to 100
  • Issue Type
    • Underwritten
    • Simplified
    • Guaranteed Issue
    • Medical
    • Non-Medical
  • Issue Test
    • CVAT (Cash Value Accumulation Test)
    • GPT (Guideline Premium Test)
    • TAMRA (Technical Miscellaneous Revenue Act 7-Pay Test)
  • Rating Class
    • Preferred
    • Preferred Plus
    • Standard
    • Standard Plus
    • Preferred Smoker
    • Standard Smoker
    • Sub Standard
  • Dividend Option
    • Cash
    • Apply to Premium
    • Dividends on Deposit
    • Accumulate Interest
    • Paid Up Additions
    • One Year Term
  • Coverage Type
    • Level
    • Graded
    • Modified
    • Variable
  •  NFO
    • Cash Surrender
    • Extended Term
    • Automatic Premium Loan
    • Reduced Paid Up
  • MEC
    • No
    • Yes
    • Pending
• These new fields can be hidden under Options -> Data -> Hide Policy Fields
• These new fields can be added as validation rules in product configs.
• These new fields can be posted and uploaded into the system and have been added to the Vendor Post system.
• These new fields have been added to the policy schema and should work in the column builder.

Lead Filters

• Added County search

Policies Filters

• Added new sidebar menu item: Life
• Added Paid Up Multi-checkbox under Life
• Added Issue Type Multi-checbox under Life
• Added Issue Test Multi-checkbox under Life
• Added Rating Class Multi-checkbox under Life
• Added Dividend Option Multi-checkbox under Life
• Added NFO Multi-checkbox under Life
• Added MEC Multi-checkbox under Life

Product Validations

We have made some major modifications so that when you change carriers in the carrier select menu on the dialer screen, we now do a lookup in the database for any rules related to this product. This will provide us with many useful features to come (including some basic pricing auto fill capability).

If a product has state or zipcode limitation and there is no state or zipcode provided on the contact/lead, it will disable the option (but still show it) and append a message in brackets next to the product name such as [STATE REQUIRED] or [ZIPCODE REQUIRED]

If a product has state or zipcode limitation and there is is an invalid state or zipcode set on the contact/lead, it will disable the option (but still show it) and append a message in brackets next to the product name such as [STATE INVALID] or [ZIPCODE INVALID]

We originally considered hiding the menu option items outright, but realized this could cause confusion for agents and more reason to ask managers and admins where the heck their products went once they had these rules set.

If the CONVERSION Validation section of a Product has the “User License Required to Sell in State” selected it will show a warning in brackets [STATE UNLICENSED] next to the product names that the agent is unlicensed in but WILL allow an agent to select it. This allows your agents to set a quote for someone before passing it on to a licensed agent. If you try to press “Sale” on that policy, it will give the unlicensed error since it was set to conversion. We recommend not to set License Required for Verification and Submission unless your agents self submit, so that your verifiers and submitters can continue to process the application as they do not require a license to do so.

State Validations

• Trying to quote, verify, or submit with an incorrect state will give an error as it has before
• We now check, on change of carrier, the states required for each product. If a product required a state and no state is selected, it will disable the option and list [STATE REQUIRED] next to the product name. If a state is selected and the state is invalid it will disable and show [STATE INVALID]. These queues should help your agent understand why they can’t quote those policies.

Zipcode Validations *New!

• You can now set a comma separated list of zipcodes in product validations anywhere between 3 to 5 numbers long (yes we keep the front 0 for those pesky zipcodes that start with 0).
• Trying to quote, verify, or submit with an incorrect zipcode will give an error when zipcodes are provided as it would with states. If you change the zipcode to get around the limitation, it will still check for each part of the process. Try not to circumvent the system…if there is an error ask an admin to add the zipcode to the product config.
• We check from left to right, to allow you to take care of 3 – 4 digit prefixed zipcodes instead of having to type in all 5 numbers. This allows you to cover more territory with less work.
  • For example: You enter: 330. This means that Zipcodes such as 33015, 33014 and 33025 will be valid. If you set 3301, then 33015 and 33014 will be valid and 33025 would be invalid. If you set 33015 as the zipcode, only 33015 would be valid.
• You can mass edit Zipcode validations.

Leads

• Leads Total and Notes Total added to lead schema and are now selectable in the column builder. Use it to build some reports with the aggregate Checkbox!

Policies

• Added Group Notes to Policies.
• Dependent Age Range added to Lead Schema and now can be searched in both Leads and Policies sections. Added Dependent Ages Combined and Dependent DoB’s Combined to Schema so you can get a list.
• “New Customer” was added to Schema. This is a customer that no policies sold other than on a single date.
• “Group State” was added to filters in Leads and Policies. Use this with the Aggregate checkbox to create some custom reports!

Commissons

• Now showing Policy Status in commissions list. We had a client who discovered, while using the commissions tool, that the carrier had not paid two initial payments but was paying residuals. They recovered over $1,000!
• Fixed an issue with Typeahead for Editing Commissions after entered.

Admin Dashboard

• Sales summary now shows total unique customers for the search (unique leads).

Vendor Fields

• Added Date Terminate to Post Fields

Mobile and Style Updates

• Newer Table sections (leads, policies) will not convert to a list of cards instead of a table when a mobile device is detected. It also is responsive based on what device it is (iPad, iPhone, etc).
  • We will update other older sections soonish.
• Fixed some styles on the Admin Dashboard main menu bar for mobile.
• Made Page Titles smaller, and centered on mobile
• Fixed Filters view on Mobile to fit in the Filter Bar.
• Changed behavior or Column builder so the screen doesn’t pop to top after selecting or removing a column on mobile. Does not pop up on Desktop either but continues to keep the filter bar highlighted.
• Moved Column builder filter to top of page
• Added “Save” to column builder filter area so you don’t need to scroll down to update columns.
• Update column builder filter section to work better with Mobile.
• Modals are now full screen on mobile to allow for good editing experience.

Vendor Questionnaire

• We added a simple vendor questionnaire with common questions you may want to ask a new Lead Vendor in the edit vendor popup. You can use this for research purposes or to just store information about the vendor. If you use it for research and decide not to go with the vendor you can simple deactivate that vendor. You can find it again later by searching for inactive vendors.

Minor updates in this patch.

Responsive Update & Dialer Mods

• Dialer Info more responsive
  • Cleaned up Menu, tabs, and more. Hid new slider sidebar when in mobile view.
  • Centered Name when in small view.
  • Stacked buttons and Lead ID when in Small view
• Leads
  • Made more responsive. Should be easier to use in Mobile view
  • Made medications and conditions textareas so you can see more of what you are typing.
• Policies
  • Made more responsive. Should be much easier to use. Most columns are now 2 x 2 instead of full width.
• Dependents
  • Made more responsive.
• Fixed an issue where you could not enter CC number when half screen. Most of these issues should have been fixed with the responsive update. Let us know if you find any more of those!

Embedded Products

• Embedded products now respect state validation rules. Will silently fail if the state the primary is being created in does not fit the criteria for the embedded product.

Policies

• Fixed an issue where we were not using the product custom type, and always reverting to the product type. Product Custom types will now reflect in Sales Board, Profile and Policies sections. We may need to update a few more reports with this method.
• Added “Future Effective” policy disposition. This is for sales that have been made, and paid, have an in force date and effective date but do not go into effect until sometime in the future.

Sales Board

• You can now sort by total commissions
• Salesboard settings now save until you hit “Reset”
• Cleaned up filter dropdown to look more like rest of the system
• Removed some spacing from top and bottom of header so you can fit more on screen.