Phone Health Interviews will be eliminated for Final Expense Applications
Effective June 19, 2020, Sentinel will eliminate the requirement of Phone Health Interviews “PHI’s” (conducted through Apptical) for Final Expense applications. While the PHI will no longer be required, agents selling remotely with our E-App will still be able to complete the signature process via phone by calling 877-888-0352. After the E-App is submitted, you (the agent) will receive an e-mail that contains the underwriting decision, or you can check the Agent Portal.
Please note the following:
- The decision to eliminate Apptical PHI’s was made in order to provide a more efficient process for Sentinel’s Final Expense applications. Sentinel’s hope is that this procedural change will enhance the overall customer service experience and help agents to better serve their clients.
- As a result of this change, effective June 19, 2020, there will be a 1% renewal commission reduction (for Years 2+) for all New Vantage plans at each commission level.
- Updated marketing materials and commission schedules reflecting these changes will be circulated to you from your upline at a later date (prior to June 19th).
- Underwriter review at point of sale and outgoing calls from the Underwriting team will still occur as needed to gather information needed to make an underwriting decision.
Summary of Changes effective June 19, 2020:
- Apptical PHI’s will be eliminated from the Final Expense Application process.
- There will be a 1% renewal commission reduction (for Years 2+) for all New Vantage plans at each commission level.
Important to Remember: Please keep in mind, all Final Expense applications submitted prior to June 19, 2020, must fulfill the PHI requirement.
Please do not hesitate to reach out to sales@insadminservices.com with any questions regarding the above changes.
