What does 'Send application for Insurance Email to client' mean?

 

This question is asked in the thru funnel on the 'Checkout & Pay' page.

 

• When the customer sees this screen in the thru funnel, they only have one option to accept the Application for Insurance. This means that when they click the icon, and then Check out and Pay, they will view and be asked to accept the application.

 

• When a broker is logged into the thru funnel they may also have the following option (based on their admin permissions as View AFI is a permission that can be assigned).

 

 

• The broker can choose to Email OR View the Application for Insurance.

 

Email - An email will be generated to the customer asking them to click a link to accept the Application for Insurance. Once the link has been clicked, a page will appear with the Application for Insurance. The customer needs to scroll to the bottom and tick the acceptance box and submit for the application to be accepted.

 

View - Upon clicking 'Buy Now', this will open the application for Insurance and the broker will be able to accept the Application for Insurance on the customers behalf. This is useful if the brokerage has call recording or has a paper copy of the application from the customer or the customer is in the office and can read the application with the broker. See article: View AFI.

 

 

 

Our platform uses Canada Posts' complete address to match addresses.  

All mailing addresses must be entered through Canada Post otherwise this could have an impact on a customer receiving a registered letter at the time of cancellation for non payment, underwriting reasons etc.

 

You could also try to just search up the Postal Code only. Then scroll through the results to see if there are any matched results.

 

If the mailing address is not populating, the client may receive their mail through a PO Box. 

If you are still having issues with the address we would recommend to reach out to Canada Post Address here:
https://www.canadapost-postescanada.ca/ac/
https://www.canadapost-postescanada.ca/ac/support/contact-us/

If none of the above works, unfortunately you will be unable to put the policy through the system, as carriers require that a mailing address must be searchable and validated through Canada Posts' system.

 

International addresses cannot be used as a mailing address due to privacy laws outside of Canada.

 

How can I send a list of coverages to the customer?

 

The quote emails, sent to the insured, only show the quoted premium, so if the customer would like to review coverages they will need to click the edit button and proceed to the customize quote screen. The reason for this is that many carriers have different terminology/coverage types and is too dynamic to be displayed in the quote summary for each carrier.

If you would like to send a breakdown of the coverages we would suggest using the snipping tool, snipping or taking a screenshot of the Coverages screen in thru and inserting this into an email to the customer. The snipping tool is a free tool available on windows PCs.

Please see the link below for more information:

How to use Snipping Tool.

 

 

There are many lockouts set within the platform, they could be lockouts set by the carriers, or by the brokerage. Here are some examples: 

 

Weather Lockout

If there is a fire, natural disaster etc in the area the insurer may not be accepting new business at the postal code being quoted. If this is the case the broker and client will both see a 'Natural Disaster' message. Neither the customer nor the broker will be able to proceed with this quote until the lockout has been lifted.
 

Periscope (social criminal or behaviour)
This lockout is produced by the social, criminal & behaviour check. The broker and customer will see this error after the Buy Now button has been pressed to purchase the policy. There will be a white page with a 'Underwriting Reasons' message. An activity will also be created in bond. 

Risk does not fit underwriting guidelines
There are many underwriting lockouts built within the thru funnel. If a broker is logged in completing a quote and a lockout is triggered, the lockout icon will illuminate. Click this icon to review the lockouts. If the customer receives a lockout a white page will appear advising a broker will call. An activity has been generated in the lead management silo of bond. The lockouts will be listed in the activity.

 

This alert will show in thru when the quoted premium cannot be discounted any further. Applying any additional discounts to the quote will not further reduce the premium.

 

 

 

 

The reconstruction cost calculator widget is a formula that is based around the concept of new construction costs, which as you know can vary. 

 

The iClarify tool is the tool that all brokers should be using as it is the approved by insurance carriers.  The widget is to be used only as a guide if the insured is questioning the calculation of the iClarify amount. 

We are not able to lower the reconstruction cost that iClarify returns, and the formula inside the widget is not concrete determination of what the dwelling limit should be, it is just an assistance tool. All brokers should continue to use reconstruction amount provided from iClarify.