Advanced Life Insurance For Commercial & Employee Benefits — Refer or D.I.Y
Three ways to move life insurance opportunities forward: complete the application yourself in Insureio, let Pinney handle the application after you make the sale, or refer the client and let Pinney take the lead.
This channel is built to service your highest net worth cases. The lead will be handled with care by our in-house financial advisors and you will be notified every step of the way.
Visual Submission Flow
Use this quick map to see the full decision tree at a glance.
Yes → Use EPIC guide
No → Use Option 1 on this page
No → refer route
Yes → continue
No → email [email protected]
Yes → continue
Typically no for Term. Often yes for Annuity, LTC, IUL.
Then work with your brokerage manager to submit in Insureio.
Choose your final submission path.
You Sell → You Complete App
100% comp
You Sell → We Complete App
Drop ticket, 100% comp
You Refer → We Sell
50/50 split
|
1
Option 1 — Refer & Earn
You Refer → We Sell
50/50% Compensation Split
We do:
50% of your normal commission
|
2
Option 2 — App Assist
You Sell → We Complete App
Drop Ticket & Save Time — You Keep 100%
100% of your normal commission
|
3
Option 3 — Self-Service
You Sell → You Complete App
Use Insureio to run the application yourself
Best for agents who want to:
100% of your normal commission
|
How Every Case Moves Forward
Use the process below as a quick visual reference for how cases move from opportunity to submission depending on which path you choose.
