Digital Applications
One application, any device.
A single, branching application that adapts to the product, the case, and the person filling it out — whether they're a member on a phone or a producer on a desk.
The flow
Six steps. Median 6 minutes.
01
Intent & eligibility
Two screens collect DOB, state, tobacco status, and intended coverage. We route to the right product before anything else loads.
02
Identity & contact
Verified against trusted data sources. No re-keying basic information for the rest of the flow.
03
Health & lifestyle
Adaptive questionnaire — only the questions your case actually needs, branching live as you answer.
04
Beneficiaries & ownership
Primary, contingent, and trust ownership handled in-line, with prompts for percentages and relationships.
05
Review & confirm
Final premium, riders, and effective date shown side-by-side before signature.
06
E-signature & issue
Legally binding signature. Policy delivered to the member vault on issue.
Capabilities
What's built in.
Save & resume
Pick up on any device with a one-tap magic link. Sessions persist for 30 days.
Self or assisted
Same application — member-led, producer-led, or co-piloted on a shared session.
Pre-fill
Identity, address, and prior coverage are populated from verified data, not retyped.
Validation in-line
Field-level checks catch issues before submit — no kicks back from the carrier.
Accessibility
WCAG 2.2 AA: keyboard, screen reader, reduced-motion, high-contrast support.
Audit log
Every screen, edit, and signature timestamped for compliance review.