Usinggp iPipeline iGO e-Application with Foresters Financial · 2018-03-28 · • Get a POS decision email in less than 10 minutes for all electronically submitted Foresters non-med

Presents

Using iPipeline iGO g pe-Application with ForestersFinancial

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

For Producer Use Only. Not for use with the public. 409975 US (02/18)

• Using the iPipeline iGO e-App

• Pre-Screening

• iPipeline iGO e App Process• iPipeline iGO e-App Process

• Tips for using the iPipeline iGO e-App

• Support

For Producer Use Only. Not for use with the public. - 409975 US (02/18)Orde benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Using the iPipeline iGO e-AppUs g e pe e GO e pp

For Producer Use Only. Not for use with the public. - 409975 US (02/18)

Using iPipeline iGO e-App1

• Available in all states, for non-med2 products only (PlanRight and Prepared do not qualify for an e-App)

‒ Term‒ SMART UL‒ Advantage Plusg

• Get a POS decision email in less than 10 minutes for all electronically submitted Foresters non-med applications. Decision will either be:

‒ Medically Eligibley g‒ Refer‒ Issued‒ Declined

1 e-App is available in all states through the iPipeline iGO e-App platform using Internet Explorer (desktop/laptop) or Safari (Apple iPadonly) for Foresters non-medical products (excluding Foresters PlanRight and Foresters Prepared). Touch to sign available on Apple iPadonly. POS decision will be unavailable Monday to Saturday from 2:00 a.m. to 6:00 a.m. and from Saturday 10:00 p.m. to Sunday 10:00 a.m. (EST). Some e-App features are not available in NY (refer to ezbiz, Toolbox/e-App section for more details).2 Insurability depends on answers to health and lifestyle questions and an underwriting review.


Using iPipeline iGO e-App

• Calling Apptical for a POS decision is for PlanRight only

• To lower the likelihood of a “Refer” decision, make sure that the information being entered on the e-App is accurate (such as SSN, address, DOB) pp ( )


Pre-ScreeningPre Screening


iPipeline iGO e-AppPre-screening

In NY only, you must verify identity of the Proposed Insured and Owner (on a juvenile case) in person when writing the application on paper or via e-App

Except for juvenile cases, the Proposed Insured, Owner and Payer must be the same person*

For juvenile cases, the Parent or Legal Guardian must be the Owner and Payer*

A valid Security Number (SSN) is required for e-App submission*

First Premium on PAC (FPOP) for the initial premium and Draft via Pre-Authorized Check (PAC) for subsequent premiums (no direct bill) are the only allowable payment options available for e-App*

The Payer, who must be the Owner, must also be an account holder of the bank account from which premium will be drafted premium will be drafted

Except for NY, to submit the application electronically you and the Proposed Insured or the Owner (on a juvenile case) must each have a separate email address*

*For cases that do not meet the criteria above, please proceed with writing the application on paper


iPipeline iGO e-AppPre-screening

e-App certificates cannot be backdated to save insurance age: Certificate date is the date issued*

Credit and Debit cards, money orders or cashier’s checks are not valid forms of premium payments (for e-App or paper). (for e App or paper).

Applications with 1035 Exchange requests or lump sum payments cannot be submitted via e-App.*

To help expedite the underwriting process, if your client is in the active duty military or reserves, complete the paper Military Questionnaire and send it to Foresters after the e-App has been submitted

*For cases that do not meet the criteria above, please proceed with writing the application on paper


4

iPipeline iGO e-App ProcessiPipeline iGO e App Process


iPipeline iGO e-AppProcess

• Specific state variations not covered in this presentation

• State forms automatically triggered within e-App

• Follow the yellow brick road – a yellow box requires completion whereas a white box is Follow the yellow brick road a yellow box requires completion whereas a white box is not required but provides helpful information to accelerate the underwriting process

• For each screen, if all required information is provided you will see a green checkmark. If required information is missing you will see a red question mark



Step # 1: e-App launch1. Logon to Foresters producer portal ezbiz (www.foresters.com)

2. Select Foresters e-App on top right hand corner



Step # 2: e-App launch1. Start New Case – begin a new e-App

2. View My Cases – view of recent cases


Case Information Screen

Start New Case

Starting a new case

• Proposed Insured: Enter the first and last name of your client

• Case Description: optional. Enter details about case (example: 20details about case (example: 20-year $100K etc.)

• Carrier & Product:

‒ Application Signed State: Statewhere the Owner signs the e-gApp. You must be licensed in this state to proceed

‒ Product Type: Select Product Type, then select “Find Available Products”Available Products

‒ Once product is determined, click “Select” to launch e-App


Pre Qualifying Screen


Pre-Qualifying Screen• Ensure you read this screen

as these rules help determine whether your client qualifies for using the e-App

• If they do, answer "Yes" at the bottom and proceed to the next screen

• If “No,” please write application on paperapplication on paper


License and AppointmentCheck Screen• Validate the product and application


p ppsigned state. If either are incorrect, click “back” to go back to the “Case Information” section to correct the state and/or product type

f d l• Enter your first and last name

• Enter Agent # OR SSN number; only 1 required. Tip– entering Agent # helps to avoid delays and helps you get paid quickerget paid quicker

• Click “Validate" to proceed.

• If you validate, screen opens and you can proceed. If you don’t validate,p y ,contact Foresters

• You can split comp with up to 2 additional agents (Note: The comp split must equal 100% to proceed to th t ) A “Y ” t the next screen). Answer “Yes” to more than one agent and complete information


Proposed Insured


Proposed Insured Screen• Collect personal details about

the Proposed Insured in this section

• Enter valid SSN – do not accept SSN that starts with a “9”. SSN must be 9 characters long. If no SSN available, complete paper applicationcomplete paper application

• Enter Country of Birth. If “USA” is selected, enter “State”


P d I d


Proposed Insured Screen• If insured is not a U.S citizen,

select “No” then select “Visa Type" under immigration statusType under immigration status

• Primary Language – optional

• Address Validation – orange iMessage “Possible invalidaddress. Please review. An additional check will occur at Foresters” – this is ok. You can still proceed. The message just lets you know the address will be validated again at Foresters


Proposed Insured


Proposed Insured Cont Screen• Verify the identity of the

Proposed Insured

h f (• Photo I.D. Information (3 choices):

‒ Driver’s License‒ Passport ‒ Other Government ID

• Enter the ProposedInsured’s employment status

• Answer active duty military or reserves questionq

• Location to elect a secondary addressee


Lifestyle & Medical


Lifestyle & Medical Questions Screen• Where the Proposed

Insured answers "Yes" or "No" to a number of No to a number of Lifestyle & Medicalquestions

• If “Yes” to any of the questions, additional information is requiredinformation is required

• Click on the red "Details"box and enter additional information in the pop up

• Once you complete the y pinformation, the Details box will turn from red to green


Coverage


Coverage Information Screen• Provide the Product Details of

your client’s case

Here you’ll enter the face • Here you ll enter the face amount, select riders etc.


Owner Screen


Owner Screen• For SMART UL and ADV+

juvenile plans are available. If the Proposed Insured is a juvenile, complete details b t th Oabout the Owner

• The relationship to the Proposed Insured must either be their parent or legal guardian

• Verify the identity of the Owner

• Photo I.D. Information (3 choices):

Driver’s License‒ Driver s License‒ Passport ‒ Other Government ID


Ill t ti


Illustration Certification Screen• Required for any illustrated

product i.e. SMART UL and ADV+

• This form is built into the e-App, based on the product selected on the Case Information screen



Non-Residence Sale Declaration Form• Required if the state of equ ed t e state o

solicitation is different than the state in which the Proposed Insured or Owner (if a juvenile case) resides


Beneficiary Screen


Beneficiary Screen• Must enter at least one

primary beneficiary; contingent beneficiary is optional.

• Can select up to 5 primary and 3 contingent beneficiaries

• Answer the question “Split the share Split the share percentage equally among all Primary Beneficiaries?” – “Yes” or “No”

• After making the • After making the selection, wait for the screen to refresh; otherwise an incorrect pop up screen willappearpp


Other Insurance


Other Insurance Screen• Proposed Insured

answers “Yes” or “No” to the Other Insurance questions

• If “Yes” to the replacing questions, the appropriate Replacement form Replacement form screens will appear



Important Notice: Replacement Form Screen• If applicable, this form is

built into the e-App


Physician


Physician Information Screen• If applicable, enter

information about your client’s last consultation with their doctor

• Doctors with foreign addresses are accepted. Click the “Foreign Address” checkbox and Address checkbox and enter the City and Country


di l Q i


Medical Questions Screen• Enter the Proposed

Insured’s height and weightweight

• Answer all questions listed on this screen


Medical Questions Cont Screen• Answer all questions listed on

this screen


this screen

• If there is a “Yes” response a red “Details” box will appear. Click on it to open the pop up screen

• When selecting each impairment in the pop up screen:

‒ If there is no Details text box, a questionnaire is , qrequired

‒ If there is a yellow Details text box, the information above in the blue iMessage needs to be ag d o bcompleted

‒ If there is a white Details text box, additional information is not required but provides helpful but provides helpful information to accelerate the underwriting process


Questionnaire


QuestionnaireScreens• There are 6

questionnaires built into the e-Apppp

• Questionnaires automatically load based on the Proposed Insured’s response to the response to the Lifestyle and Medicalquestions


Payment Information Screen


Screen• Proposed Insured (or Owner if

a juvenile case) must be the Payer, first premium and subsequent premiums must be draft via Pre-Authorized be draft via Pre-Authorized Check (PAC). Otherwise, please write the application onpaper

• You can select a Preferred Draft DateDraft Date

• Routing Transit # must be 9 digits long. Account # can be up to 16

• You’ll need to enter the You ll need to enter the Routing Transit # and Account # twice. They must match in order to proceed to the next screen

• Credit and Debit cards are Credit and Debit cards are not valid forms of premium payment (not for paper applications either!)


Temporary


Temporary Insurance Agreement (TIA)Screen

TIA l b ilt i t th• TIA rules are built into the e-App

‒ If Proposed Insured qualifies for TIA enter the first premium payment amount

‒ If Proposed Insured does not qualify, temporary insurance is not in effect


Validate and Lock


Validate and Lock Data Screen• All green check marks

let you know the application is complete application is complete and it is “in Good Order (iGO)"

• If you see a red question mark on one of the sections on the of the sections on the left navigation tree this means required information was missed. Revisit and complete the required fields and qproceed back to this screen

• Click “Lock Application” button to proceed to the e-proceed to the eSignature process


V lid d L k


Validate and Lock Data Screen• The e-App must be locked

in order to e-Sign theapplicationapplication

• Notice the green checkmarks have now turned tolocks. This means the information is locked down and cannot be down and cannot be changed

• If you need to change any information once it has been locked, click "Unlock A li ti D t " b tt d Application Data" button and the locks will turn back to green check marks. Go to the screen where the change needs to be made, make the change then proceed to change then proceed to "Validate and Lock" screen


Signature Method ScreenThree choices:


1. “Print application package for your client’s wet signature" – in case your client does not want to sign electronically. This is the only signature method available in NY

2. "Email application package to your client for e-Signature" (also known as ClickWrap) – can be selected if using a laptop, desktop or iPad. Not available in NY

3. "Use stylus/finger to e-y / gSign the application package" - iPad only. If using a laptop or desktop, you will not see this e-Signature option. Not

il bl i NYavailable in NY


Signing using


Signing using Print and Wet Sign SigntureMethod

• You will need to print the application package in its entirety, you and your client will need your client will need to sign in pen and the application package needs to be sent to Foresters the way you normally y y ywould send in a paper application


Signing using


Signing using the ClickWrap SignatureMethod

• Not available in NY

e‐Signature Instructions Screen• First screen for this

signature method

• Enter the last 4 digits of your SSN as well as your as well as your email address


d d' (


Proposed Insured's (or Owner’s) e‐Signature Screen• Required information that has

already been data entered is carried over to this screen carried over to this screen

• Enter the email address for the Proposed Insured (or Owner if juvenile case). They must have their own email address

• Click “Send Message”

• If for some reason the Proposed Insured did not receive the e-Signature email, you can go back to this screen and click back to this screen and click “Resend.” You can also resend the e-Signature email from your Dashboard. Click on "Case Details" under the name of your client. Once the screen opens, click "Resend"



e‐Signature Process Email(s) Sent Screen• Congratulations! You’ve

completed the data collection process and sent the eprocess and sent the e-Signature email to the Proposed Insured (or Owner if juvenile case)

• Next step is to sign the e-App

• The Proposed Insured (or Owner if juvenile case) e-Signs first

• You will be notified by email if:‒ Your client makes 3 failed Your client makes 3 failed

attempts to sign in to the secure website

‒ Your client has successfully e-Signed

‒ Your client declines to e-Sign


Proposed Insured (or Owner) Email

iPipeline iGO e-AppProcessProposed Insured (or Owner) Email

• Proposed Insured (or Owner if juvenile case) will receive an email from Foresters Financial, letting them know their application is ready for review

• To review the application package, they will need to click “Access your Application”


Secure Website

iPipeline iGO e-AppProcessSecure Website• The Proposed Insured (or Owner if juvenile case) needs to enter the last 4 digits of their SSN in

order to access a secure website

• This site will remain active for 10 days calendar days from the date they receive the email. If 10 calendar days have passed the Proposed Insured (or Owner if juvenile case) will not be able to calendar days have passed the Proposed Insured (or Owner if juvenile case) will not be able to access the website. You will receive an email letting you know this has happened. To reactive the website you will need to resend the e-Signature email



Welcome – Consent Screen• Proposed Insured (or

Owner if juvenile case) is i d t i d required to review and

agree to the “Terms of Use and e-Signature Consent” before proceeding with the e-Signature processSignature process



Review e‐Application• Proposed Insured

(or Owner if (or Owner if juvenile case) must review the entire application package by clicking on the "Review Your ApplicationPackage" button

• If your client declines to e-Sign you will be notified yby email


Review e Application


Review e‐Application• If the Proposed Insured’s

responses are too longto fit in the space provided on the

li ti O fl application, an Overflow form will appear. It is the equivalent to attaching an additional sheet of paper when writing a paper applicationpaper application

• On the application you may see “See Overflow Form” letting you and the Proposed Insured (or Owner if juvenile case) know to review this case) know to review this form in order to see the response that was data entered

• Some but not all cases will h O fl fhave an Overflow form


Agree/Decline• After review, if there is

something that needs tobe changed the Proposed


be changed, the Proposed Insured (or Owner if juvenile case) should click on the "I Decline"button. If this happens, you will receive an email letting you know your client has declined

• You will need to go back into the e-App, unlock it, make the required qchanges, lock it and restart the e-Signatureprocess

• If the Proposed Insured (or Owner if juvenile case) (or Owner if juvenile case) accepts the Terms of Use and e-Signature Consent and is ready to proceed with what is shown in the application package they can click the checkbox, then click the “I Agree” button


l Si


Apply e-Signature• The Proposed Insured (or

Owner if juvenile case) needs to review the statements and indicate statements and indicate whether or not they agree

• If they do, they need to enter the “City” where they are signing the application and click application and click “Apply e-Signature and Submit to Agent” button. When they do, you will be sent an email letting you know its your turn to e-Sign

• If they do not agree, you will receive an email letting you know your client has declined


Thank You Screen• The Proposed Insured (or


p (Owner if juvenile case) can view the application package by clicking the “View e-Signed Application Package” b ttbutton

• When they do, the application package will open and your client can see that their e-Signature has been applied on all signature lines throughout the application package where they are required to sign. Their e-Signature will be “e-Signed by: First be e-Signed by: First Name Last Name in scripted font;” not their actual signature

• Note: you have not e-Signed the application Signed the application package so your client will not see your e-Signature



Agent Email Message #1• After the Proposed Insured

(or Owner if juvenile case) e-Signs, it’s now your turn

• You will receive this email letting you know your client has successfully e-signed the application package

• Please ignore this email and Please ignore this email and wait for the next one that will immediately follow



Agent Email Message #2• Click the "Access your

Application" button to start the e-Signatureprocessprocess

• It’s very important to e-Sign and submit the application shortly after you receive this email



Welcome – Consent Screen• You are required to review

and agree to the “Terms of Use and e-Signature gConsent” before proceeding with the e-Signature process

• However, you are not required to review the required to review the application package

• Click the checkbox that you agree to the Terms of Use and e-Signature Consent then click the “I Consent, then click the I Agree” button


d


Producer Report Screen• Before you can e-Sign

the application package, you must complete the Producer ReportProducer Report


l


Apply e‐Signature• You need to review the

statements and indicate whether or not you agree

If d t th • If you do, enter the “City” and “State” where you are signing the application and click “Apply e-Signature” buttonbutton


l


Apply e‐Signature• The last step is to click

“Submit to Foresters Financial” button

Wh d th • When you do, the application package will be sent electronically to Foresters and within less than 10 minutes you should

i POS d i i ilreceive a POS decision email letting you know this case is either: ‒Medically Eligible‒Refer‒Issued‒Declined


Point of Sale (POS) Leave Behind Email

iPipeline iGO e-AppProcessPoint-of-Sale (POS) Leave Behind Email

• Once you click the "Submit to Foresters" button a second email will be sent to the Proposed Insured (or Owner, if juvenile case) letting them know their application package is complete and sentto Foresters

• Once received, they can logon to a secure website to see a fully e-Signed application package, which includes the Overflow Form (if applicable), any supplemental forms (if applicable - e.g. replacement forms or questionnaires), along with the POS and any disclosure forms that you would be required to leave behind if writing a paper application

• This is why you and your client each must have a separate and unique email address The POS forms • This is why you and your client each must have a separate and unique email address. The POS forms are to be left with your client and if you use your email address as your client’s those forms will be sent to you; not to your client and your regulatory obligation will not have been met


Si i i h


Signing Using the Stylus/Finger Signature Method• Not available in NY

• Only available if using an iPad with Safari as the browser. If using a laptopor desktop this option is not available



Signature DisclosuresScreen• Read aloud the

instructions in blue to the Proposed Insured the Proposed Insured (or Owner if juvenile case)

• If they agree, check the box beside their

th li kname, then click“Next”


f


Terms of Use, e‐Signature and e‐Delivery ConsentScreen• The Proposed Insured

(or Owner if juvenile case) is required to review and agree to the "Terms of Use, e-Signature and e-Delivery Consent"Delivery Consentbefore proceeding with the e-Signature process


Review Application


ppPackage• The Proposed Insured (or

Owner if juvenile case) must review the entire application package by application package by clicking on the "ReviewYour Application"button

• Tip: Once the application k l d it f package loads, wait for

the screen to refresh before scrolling through it



e‐Signature – Proposed Insured/Owner Screen• The Proposed Insured (or

Owner if juvenile case) j )needs to review the statements outlined on this screen before they can e-Sign


e‐Signature – Proposed


e‐Signature – Proposed Insured/Owner Screen• Next, enter the Proposed

Insured’s (or Owner’s if juvenile case) email address (it j ) (must be different than yours) and the “City” where the application is being signed

• Click “Sign” under the yellow boxbo


e‐Signature – Proposed


g pInsured/Owner Screen• Once you click “Sign” the

yellow box will turn to a dotted red box

• Using their finger or a stylus, the Proposed Insured (or Owner if juvenile case) can sign their signature within the d tt d d b ( thi dotted red box (anything outside of the red box will not appear on the signature pages)

• Click "Capture"

• If the signature shown is unsatisfactory click “Sign” again and repeat steps above


d


Producer ReportScreen• After the Proposed

Insured (or Owner if juvenile case) ejuvenile case) e-Signs, it’s your turn

• Before you can e-Sign the application package, you must omplete the complete the

Producer Report



Signature – Agent Screen• You need to review the

statements before you can e-Sign

• Follow the same steps as yourclient did to e-Sign


Si t A t S


Signature – Agent Screen• Click “Sign” under the yellow

box. Once you do, the yellow box will turn to a dotted red box

• Using your finger or a stylus, you can sign your signature within the dotted red box (anything outside of the red box will not appear on the ppsignature pages)

• Click "Capture”

• If the signature shown is unsatisfactory click “Sign”

i d t t bagain and repeat steps above


Signature – Agent Screen


Signature – Agent Screen• The last step is to click

“Submit to Foresters Financial” button

• When you do, the application When you do, the application package will be sent electronically to Foresters and within less than 10 minutes you should receive a POS decision email letting you know this caseemail letting you know this case is either: ‒Medically Eligible‒Refer‒IssuedD li d‒Declined


Point of Sale (POS) Leave Behind Email

iPipeline iGO e-AppProcessPoint-of-Sale (POS) Leave Behind Email

• Once you click the "Submit to Foresters" button an email will be sent to the Proposed Insured (orOwner, if juvenile case) letting them know their application package is complete and sent to Foresters

• Once received, they can logon to a secure website to see a fully e-Signed application package, which , y g y g pp p g ,includes the Overflow Form (if applicable), any supplemental forms (if applicable - e.g. replacement forms or questionnaires), along with the POS and any disclosure forms that you would be required to leave behind if writing a paper application

• This is why your client must have a separate and unique email address. The POS forms are to be left with your client and if you use your email address as your client’s those forms will be sent to you; with your client and if you use your email address as your client s, those forms will be sent to you; not to your client and your regulatory obligation will not have been met


Dashboard

View My Cases

• Lists all your cases

• Case remains active for 120 days from last review

• Cases archived to iPipeline‘sserver after 120 daysserver after 120 days

• Search or sort feature helps identify cases

• Status column helps manage casesg


Tips for using the liPipeline iGo e-App


iPipeline iGO e-AppTips for Success

• You may get an error message if you have more than one browser window open. If this happens, close each browser window and r elaunch the e-App

• Pop-up Blockers must be turned off to see the pdf of the application and forms To

p o u

Pop up Blockers must be turned off to see the .pdf of the application and forms. To turn off the Pop-up Blockers, open Internet Explorer, go to Tools, Interest Options, find Pop-up Blocker and make sure the “Turn on Pop-up Blocker” is grayed out for the time that you are reviewing the .pdf

• From time to time it’s recommended you clear your browser cache to make sure • From time to time it s recommended you clear your browser cache to make sure unwanted data isn’t carried forward into the e-App. To clear your cache open your browser, go to "Tools" then "Internet Options". Find browsing history and click"Delete“

• You can complete the e App in any order You can click the "Next" or "Back" buttons • You can complete the e-App in any order. You can click the Next or Back buttons or you can click the screen name in the left hand Navigation Tree. Regardless of the order you choose, all screens need a green check mark before you can electronically submit the e-App


iPipeline iGO e-AppTips for Success

• Most screens do not prevent you from entering a response that makes a previous response inaccurate; just like in paper. For example: year of birth entered is 1965 but on another screen you enter a year that is earlier or later than 1965; this date will be accepted. The only time you’ll be alerted is if a date you’ve entered is in the future

• At any time throughout the e-App process you can click "View Forms" to see what data has been captured in the application package. You can save and/or print the application package. However, if you decide to stop the e-App process and print the application prior to electronically submitting it to Foresters, only the information entered up to that point will be captured. You will need to complete the remainder of the application in pen, collect a wet signature from all necessary signing parties, leave all applicable Point of Sale forms with your client and send the signed, paper application package to Foresters, as you usually do

• To use e-App, the Proposed Insured (or Owner if juvenile case) must have their own, unique email address; separate from yours. This is an email account that the Proposed Insured (or Owner) already has and that he/she considers private for their own personal use. If an email account is to be set up specifically for e-App, it must be the Proposed Insured (or Owner) who sets up that email account and keeps their account password Insured (or Owner) who sets up that email account and keeps their account password private. You cannot set up an email account for the applicant


S tSupport


iPipeline iGO e-AppSupportSupport

If you have any technical issues, click the “Help” link at the top of the e-App screen.

Once the "Help" link is opened you can access a Live Chat session with an iPipeline Once the Help link is opened, you can access a Live Chat session with an iPipeline representative. Live Chat is available from 8 am – 7 pm ET.

If you try to chat during off hours, an email will be sent to the iPipeline Support Desk to be picked up the following day


Documents

Usinggp iPipeline iGO e-Application with Foresters Financial · 2018-03-28 · • Get a POS decision email in less than 10 minutes for all electronically submitted Foresters non-med