More than 5 million
employees (only 3.6% of the U.S. workforce) work from home but
56% have a job where they could work from home. * Technologies
like video conferencing and internet-based phones have made
working outside of a traditional office much easier. When you
factor in perks such as zero commute time, comfy clothes,
flexible schedules and fewer office distractions… who wouldn’t
want to work remotely?
* Source: Global Workplace Analytics
Of course, there are some aspects of our industry that don’t work well online. For example, some insurance carriers still require wet signatures on applications and delivering old-school paper policies. Carriers aren’t trying to be difficult – some have legal concerns about e-sigs, some have older legacy systems that weren’t built for newer electronic business practices, etc. It’s the nature of doing business with multiple insurance carriers. Below are details about the different carriers we work with and their ability to do business online.
The dibroker West Advisor Portal is an online platform where our clients can submit Quote Requests for new business and view statuses for cases currently in underwriting. You can receive email notifications when case statuses change or when new requirements have been requested. Advisor Portal users also receive a weekly status email for all cases currently in underwriting every Monday.
Your clients never have to risk exposing private financial or medical information via email again. The File Cabinet section of the Advisor Portal allows Advisors to send and receive documents containing sensitive information directly with dibroker West employees and your clients. Just upload a document to your Advisor Portal File Cabinet, choose a recipient and send an email notification - not sensitive attachments - directly to the recipient.
You can create a free Advisor Portal user account on our website. Please be sure to enter the email address we have on record for you - to ensure our backend systems can communicate correctly. If you've done business with us recently, a temporary account may have already been created for you. If you receive an "email address is already in use" error, please use the Reset Password feature to create a password.
Insurance carriers are
slowly becoming more flexible with their application processes.
Some offer their own online app processing system while others
accept electronic signatures from platforms such as DocuSign,
Ameritas has their own e-app for processing online applications. The broker must be contracted with Ameritas prior to submitting an application. After the app is received, Ameritas will notify dibroker West to ensure the underwriting process goes smoothly. Ameritas also accepts applications that have been signed using DocuSign, but the application must include an Access Code and a Certificate of Completion.
If you have your own DocuSign account, you can submit applications directly to Ameritas and they’ll notify us once the application is received.
Assurity also has an e-app but it can be a little tricky to figure out. Assurity requires that the broker is contracted with Assurity prior to submitting applications. Their Drop Ticket TeleApp is a simple one-page app with authorizations that can easily be submitted via DocuSign. Assurity also requires that the Certificate of Completion accompanies the application; an Access Code is not required.
Illinois Mutual has an e-app and they accept most e-signature platforms.
Mutual of Omaha does not currently have their own e-app but they will accept DocuSign with the Certificate of Completion. Mutual of Omaha does not require an Access Code for DocuSign.
Petersen does not currently have their own e-app for the products dibroker West sells. They will accept electronic signatures from most platforms.
Principal also has a proprietary e-app. Currently they allow first time agents to submit apps using their system – but you must enter dibroker West’s information for the Field Office Contact and enter your correct Agent Detail Number/Code. This ensures that dibroker West is kept in the loop. They will accept DocuSign but DocuSign envelopes must use Access Code authentication and provide Certificate of Completion.
Standard has an e-app but only for their IDI product. They will also accept DocuSign, Adobe Sign, DocVerify, OneSpan Sign and RightSignature. You must sign and submit Standard’s Electronic Signature Certification form and agree to some security and documentation requirements prior to using any e-signature platform. Standard also requires their Consent form to be included and signed by the proposed insured with all documents that are electronically signed. dibroker West is approved to send DocuSign applications to a client on the broker’s behalf.