Life insurance for your client cases
Match the application process to the protection need. Use MHL InstaBrain for a straightforward digital case or involve the team in conversion, permanent coverage, and policy-review decisions.
Digital term
Evaluate the amount, duration, affordability, and beneficiary arrangement before opening the application. InstaBrain provides a digital application and underwriting process; available products and terms depend on the applicant and state.
Confirm the applicable agent relationship and carrier requirements before your client applies.
Open the client applicationSpecialist review
Bring cases involving permanent protection, term conversion deadlines, living-benefit features, estate ownership, business funding, or replacement of existing coverage.
The review should distinguish guaranteed benefits from illustrated values and compare the consequences of retaining, modifying, or replacing a policy.
Explore advanced life planningPrepare the case
Use an initial inquiry to establish the planning objective. Arrange secure delivery of underwriting or policy records with the team.
Document the economic need, coverage horizon, existing coverage, and premium budget.
Review conversion options, guarantees, surrender charges, outstanding loans, and replacement implications.
Coordinate the intended owner, insured, beneficiary, and funding source with the broader plan.
An application is subject to insurer underwriting and state availability. Submission does not guarantee approval, pricing, coverage, or an issue date. Living-benefit and long-term-care provisions differ by policy and rider; compare their specific triggers, charges, and effect on remaining benefits.
Product availability, underwriting, features, and compensation vary by insurer, contract, state, and professional capacity. Insurance guarantees depend on the issuing insurer’s claims-paying ability.
For your practice
Start with the planning objective, client state, and the decision you need to make.