1
Needs Analysis Survey
Only need:
- Take-home pay over $1,500 (ex: $2,000)
- Has a checking or savings account
- Writing husband & wife? Put both on the survey
American Income Life
Life Quoter
Rate book AG-2663
Underwriting check
From Flash Sheet AG-2512 (R12-18). Enter the client and tick every condition that applies. You get the products to write, the build rating, the C.W.A. call, the oral specimen call and the health questions to mark. Underwriting makes the final decision on every case.
Client
Height
Tobacco, past 12 months
Dependents (spouse, fiancé, children)
Products applying for (none ticked = all four)
Conditions
L A H D = Life, Accident, Health, Disability. A red letter means that product auto-declines.
Presentation materials
From the AIL app materials list. Tap Open to show the client, or Copy link to text it. Links open the live file, so they always show the current version.
Client 1
1Client
Sex
Tobacco
Health screenQuick pre-qualification from the AIL app—
2Coverage
Type coverage or premium
Needs analysisHow much coverage does this family need?—
3Riders
Rider Waiver$
unit
$
Age
$
4Health policies
AIL app rates · by stateMonthly bank draft
$0.00
Total coverage$0
Annual
—
Quarterly
—
Direct
—
Dialing Standards2026
- Never replace American Income Life policies
- Answer health questions truthfully. Do not clean sheet applications or you will lose bonus
- Make sure client is fully aware (company billing, coverage, premium)
- Client saves your number as a contact
- DNC clients correctly
- Protect yourself against TCPA complaints (no NPN before social)
- Solidification script after sale
- Do not get off phones until you close
American Income Life · E-App worksheet
Which application are you writing?
Pick by the client's age. Answers stay in this tab until you explicitly stage a copy with your paired local helper.
1Build the quote on the Quoter tab
2Press Start application. It picks the right form by age and fills in the coverage
3Fill every field that glows blue, then click Validate
Original application worksheet
The paper below retains its original form labels and markers. Progress and Validate check the active guided application; for California, its health answers remain separate from this Florida reference.
SUPER COMBO (AG_2549_3)
Total paid with application$0.00
0%known fields recorded
100%
Globe E-App
E-App Tips
2
Starting the App / Quote
- First, click VALIDATE
- Fill in REF at the top right
- Enter Name, DOB, Sex & Smoker Status
- Price it first in the Quoter tab
3
Husband & Wife
- Same age bracket: put both on one app
- Different brackets: write 2 separate apps (click ADD on the right)
Under 60Super Combo
60+Senior Combo
4
Health Questions
No clean sheeting. Ask every health question. Bad placement means you lose your bonus.
Ask every applicable question exactly as written and record the applicant's actual answer.
Physical-exam, Medicaid and all other health answers must never be assumed or prefilled.
5
Oral Specimen
- Select VIRTUAL
6
Signatures
- Make sure the client clearly understands their benefits first
- Signatures are always on the 2nd page of documents
- Confirm the client sees the "You're done signing" screen
- Need to resend or edit? Click UNLOCK on the main app screen
7
Confirm It's Signed
- Close the e-app, then click Update Software to log in
- Look for Ready to Transmit ✓
DocuSign · what the client sees
E-Signature Demonstration
Practice walkthrough only. This does not request, collect or submit a carrier signature.
Step 1 of 8
2:56●●● ᯤ ▮
na3.docusign.net
Tap inside the phone to try it the way the client does.
Tell the client
Agent tip
Sample client Jane Sample is used here. Signing happens on the client's phone through DocuSign; this page is only a practice run and doesn't send anything.