eapp User Guide V.7-16

Transcription

1 eapp User Guide V.7-16

2 Table of Contents What is the Esubmission Process?... 3 Benefits of eapp... 3 Are There Any Product Features Not Supported by eapp?... 3 How Does the eapp Process Work?... 4 Request a New Application... 4 Ink Signatures and Leave-Behind Materials... 5 Life New Business Cover Sheet... 5 Using the eapp Successfully... 6 Navigation... 6 New Business Premium Calculator NEW!!...7 Electronic Consents... 8 Printing the Esubmission Documents... 9 More Navigation Tips Esignature Process What is an Esignature? Two Ways to ESign What Happens After I Submit?

3 1) What is the ESubmission Process? The Phoenix ESubmission Process allows you to build your clients application package, obtain electronic signatures, and submit it electronically for approval. The EApp is simply a snapshot of the Phoenix applications and, now here is the best part all required forms in addition to the application also have rules and edits built in to help you complete them correctly and minimize any NIGO situations. Each form will prevent you from skipping a field or entering incorrect data. This process can be done on a laptop, desktop and tablet (portrait or landscape) PhoenixSalesNet eapp Phoenix a) Benefits of eapp The EApp is simply a snapshot of the Phoenix paper applications you are familiar with today. The most important aspects of an EApp: Intelligent data entry when you enter data in one field, it flows through all of the forms and it determines which subsequent fields and forms are required. o Example 1: Select Non-U.S. Citizen and additional fields become required. o Example 2: Select more than 3 policy beneficiaries option on the cover page, and the additional beneficiary application form is added to your app package. State Specific Forms the system is designed to generate the applicable forms based on the state in which the application is signed so you will never receive the incorrect for. Built-in error messages if you enter incorrect information, an error message will pop up and the field will remain red. Electronic Signatures eapp supports E-signatures at both the point of sale and via , giving you the flexibility you need b) Are There Any Product Features Not Supported By eapp? eapp has been designed to assist you with submitting IGO (In Good Order) applications in most situations. However, there are a few situations that are not supported, such as corporate-owned or partnership-owned applications and exceptions to product age/face restrictions. It is also important to note that a medical Application PT2 must be completed. 3

4 2) How Does the eapp Process Work? a) Request a New Application based on the information learned in the Quote. Just select the state of issue, then the product type, then the product applied for and a list of basic required forms will display, such as the application, disclosures, etc. No need to worry about these; the system will generate them automatically when you are ready to submit the application. As you complete the application, the system will add more forms to this list automatically, based on your input. Simply click on the Create Application button at the bottom of the screen. Give your application a meaningfull name and prepare to be amazed. Select Create Application 4

5 Create a name that can be easily remembered b) Ink Signatures and Leave-Behind Materials: Certain forms require ink signatures to be in good order so it makes most sense to bring paper copies with you. Those forms include 1035 exchange requests and liquidation request forms. Paper copies are available through PhoenixSalesNet. In addition, certain forms must be left with your client. Specifically, the rider disclosure form must be printed in advance and brought with you to leave with the client. These rules may vary by state. c) Life New Business Cover Sheet is required to provide additional firm information, details on the initial premium, and details on the policy owner. It also allows you to provide any additional special instructions. All fields highlighted in RED are REQUIRED 5

6 3) Using the eapp Successfully a) Navigation: As with any software package, there are some navigation and data entry guidelines that Click on your case progress to see a complete list of errors. Click on the error to navigate to that field. will make this process easier for you: Your case name is displayed here. Your case progress is just below it. Click this symbol to open a drop-down for page navigation and error resolution. Click on any page in the drop-down to navigate directly to that page. Click on the red cloud on any page to toggle outstanding errors on/off. Remember, all fields highlighted in red are required. Some fields of the application include a handy dropdown; just select the drop-down and choose the correct option. As you complete each page, click here to move to the next or previous page. Your case information will save automatically every five minutes or so, but we recommend you save your work periodically just to be sure. Use the Save button in the top right corner. 6

7 b) New Business Premium Calculator: NEW!! The calculator is found after your application forms, and will take the application information you have already provided and calculate your client s premium. The calculated premium will be submitted to us with your completed application. First, verify that the plan information and client information is accurate. If any of this information needs to be changed, go back to the application and make the change. Next, click on Calculate Premium. The Modal Premium and Annual Premium will then appear on this page, and the correct premium will also appear on the application. 7

8 c) Electronic Consents: You will notice that Electronic Signature Consent forms are included in your eapplication kit. A consent form is required for each individual who will be Esigning. Click this symbol to open a drop-down that displays all forms in your eapp. Note that two E- Consent forms are required in this example; one for you, the agent, and one for the insured who in this case is also the owner. This is the agent E-Consent. Please note: you and your client must each consent to electronic signatures and electronic delivery of disclosures to complete your eapplication. If you consent to sign your forms electronically, select here. If you consent to receive disclosures electronically, select here. 8

9 d) Printing your application in eapp You can print at any time. Just select Other Actions and click Display/Print PDF from the drop-down. If you decide to print your documents before you complete and ESign, please keep in mind that you may not have all of the required forms. It is important to remember that forms are triggered by the information you enter. 9

10 e) More Navigation Tips Navigation Key Stroke Move Field to Field Data Entry Fields Move Form to Form Move Page to Page Flyovers Missing Data Incorrect Data Additional Triggers Red Cloud Percentage Complete Save ESignatures Submit Complete Notification Tab, Enter or Stylus Fields are highlighted in pink when required; fields are grayed out when they are not required Click on Chevrons at top left to display list of forms Click on Chevrons on sides of each form Displays over fields that may need more guidance Missing a field - it will be highlighted in pink Incorrect data - it will also be highlighted in pink Questions added to the application to trigger additional forms or enable/disable fields Displays on page if problem on screen click to display the fields with incorrect or missing data; click again to clear the screen Track your success with the counter just above the forms; it may increase as additional forms are added Click on the SAVE button at any time; however all of the required ancillary forms may not yet be included ESignature form included; must be completed to use this function Click on SUBMIT to send the completed application package to Phoenix; contract number assigned This is just an indicator that the application is completed and has been submitted sent to agent indicating application received at Phoenix Important Tips to Remember 1. If a message is blocking a field, simply click on the Red Cloud at the top of the screen and the message will disappear. 2. Date fields that need to be completed typically have a drop down calendar; if not, enter mm/dd/yyyy. 3. States are provided in drop down list for you to pick a state or you may key it in. 10

11 4) ESignature Process When the application is 100% complete, eapp will prompt you to continue to ESignature. Not everyone is familiar with the ESign process, so be prepared to explain it to your clients. a) What is an ESignature An ESignature is a unique electronic verification of a person s identification that is added to a document prepared on a computer. It is in an electronic format that is legally equivalent to a manually-signed signature on a paper document. It confirms its affiliation with a natural person representing a legal person. Use of the ESignature ensures authenticity of the electronic document and confirms the signatory s identity. It is important to note that the application will be locked once you decide to use E-Signature and no changes are allowed after signing. 11

12 1. How does the EApp ESign work? The Electronic Signature screen is displayed. In addition to selecting the ESign option, you will also have access to several documents outlining federal regulations concerning this process. You should ensure that your client has an opportunity to review or print these to keep. Select the individual who will be Esigning first (Insured or Agent in this example). 12

13 2. Two Ways to ESign: You may elect either the Sign Now or Sign Later option. The Sign Now option allows you and your client to sign the forms using the touch screen on your electronic tablet or a mouse. The Sign Later option may be used to request the electronic signature via request. Select Sign Now Each form that you, the agent must sign appears in a list above. You can page through each document before agreeing with the terms. After you have reviewed each form, confirm you agree with the terms by selecting this box. Important! This box must be selected for each form that your signature will be applied to. 13

14 Next you will complete your on-site signature. Provide the location you are signing, and your agent ID. NEW!! Next, you may choose one of two options for providing your e-signature; either (A) select a font to apply your signature, or (B) sign on the pad in the space provided and select I Consent. Option A Option B 14

15 Next, you will be prompted for your client s Esignature. If your client is with you and prefers to provide their signature at the point of sale, select Sign Now and repeat the steps above with your client. If you are not with your client, or your client prefers to sign later, select Send Request. For this example, we will walk through the Send Request option. To send an request to your client, provide their address, your , last four of SSN, and DOB Note that the text will be presented here, and you have the ability to add comments if desired. After selecting Send Request, you will see a confirmation screen. Select Back to Signers. 15

16 Here you will see the status of all signatures. Select Back to Application. Please Note: your EApplication cannot be completed until ALL signatures have been completed. You can send reminders to your client from here. 16

17 NEW!! Is Your Client Having Trouble With The Signing Process? Take a look at our Client Signature guide for helpful tips. When all of the documents have been esigned, the system will return to the beginning of the application indicating that you are nearly finished with the application. Once you click on Continue, the following screen will display allowing you to complete the eapp process. Select Continue to finalize your application. Confirm you are ready to submit your application to Phoenix. Congratulations! Your application has been electronically submitted to our back office. Note the status of Finished. 17

18 5) What Happens After I Submit? If your client has elected to pay by check, be sure to mail the initial premium to the address indicated on your application: PHL Variable Insurance Company (Phoenix) PO Box 8027, Boston MA Once at Phoenix, all of the pertinent data will be passed to a new file at the New Business desk where it will go through the standard process. If you want to check on the status of your case, you can see your pending status at PhoenixSalesNet. You can also continue to manage all your e-applications using a handy dashboard pictured below. Any applications that are pending Signature are noted in the dashboard. From All Applications, you can check the status of your submitted cases, print them out, or review history. 18