iAgentIQ Engine v1.0

Client Communication

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Extracted Information — Review & Confirm

First Name

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Date of Birth

City

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Tobacco

Coverage Amount

Mortgage Balance

Lender

Monthly Payment

Lead Source

Product Interest

🧠

IQ Underwriting Coach

Legacy Guard AI Assistant

🤖 Ask AI

💬 Objections

⚡ Sales Tips

🔄 Pivot Pitches

📚 How-To

Hello! I'm your IQ Underwriting Coach. I know your carrier guidelines, underwriting rules, and sales strategies. Ask me anything — carrier recommendations, health condition routing, objection help, or sales tactics.

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💰 "I can't afford it"

"I completely understand — and that's actually why I'm calling. Most clients pay $30–$60 a month. That's less than $2 a day. Compare that to what your family could lose if something happened to you — the mortgage, the bills, everything. Can I show you the numbers real quick?"

🤔 "I need to think about it"

"That's fair. Can I ask — is it the cost, the coverage amount, or something else? I'd rather answer that right now so you have everything you need. Your family is counting on this decision and tomorrow isn't guaranteed."

💑 "I need to talk to my spouse"

"Perfect — is your spouse available right now? This affects both of you and I'd love to get you both on the same page today. It only takes a few more minutes and then you can make a decision together."

🏦 "The bank already covers me"

"That's a very common misconception. The bank's mortgage insurance protects the BANK — not your family. If you pass away, the bank gets paid off but your family gets nothing extra. Our policy pays YOUR family directly — they decide whether to pay off the mortgage, cover bills, or anything else. You own this policy, not the bank."

📋 "I have life insurance through work"

"That's great — group coverage is a start. But it typically only covers 1–2x your salary, which usually isn't enough to pay off the mortgage AND take care of your family. And the moment you change jobs or retire, that coverage is gone. This policy is yours permanently, regardless of employment. Think of it as filling the gap."

😤 "I never asked for this"

"I completely understand — and I appreciate your patience. You received a notice in the mail from your lender about mortgage protection options, and that's why I'm reaching out. I'm not here to sell you anything you don't want. I just want to make sure you know what your options are. Fair enough?"

📞 "Call me back later"

"I totally understand you're busy. Can I ask — is there a specific time that works better, like morning or evening? I want to make sure I catch you at a good time so I'm not interrupting again. What works best for you?"

🎯 Lead the Mortgage First

Always anchor to the mortgage balance before discussing premiums. "You have a $285,000 mortgage — that's what's at risk." Creates emotional context before you show numbers.

⚡ The $2/Day Frame

When price comes up: "Most clients pay between $1.50 and $2.50 a day for full mortgage protection. That's less than a cup of coffee." Always frame monthly as daily.

🏆 Lead with the Win (FE to Term)

If they have a health issue, quote FE/Payment Protection first so they see they DO qualify for something. Then if Term works, it's a bonus — not the baseline expectation.

👥 Always Include the Spouse

"Is your spouse or co-borrower home? This affects both of you and I want to make sure you're both protected." Dual coverage = 2x premium. Always ask.

📋 The Why Question Is Your Superpower

"If something happened to either of you, what would you want to see happen to the home?" Their answer tells you exactly how to close. Listen for the emotion — that's your closing hook.

⏱️ Urgency Without Pressure

"Rates are based on age and health, and both of those can only go in one direction. Locking in today means locking in your current health status." Truth-based urgency.

🔢 Always Show 2 Options

Never give one price. Show 100% coverage AND 50% coverage. "Which of these fits your budget better?" Forces a choice between options, not yes/no.

🚫 Term Declined → Payment Protection Pivot

"Based on what you've shared, Term may not be the best fit right now — but here's what I can do for you. Payment Protection covers your full monthly payment directly. Same protection for the home, structured differently. Let me show you the number."

❤️ Health Issue → Final Expense Bridge

"I want to be straight with you — the Term policy has some limitations with your health history. BUT — I have carriers that specialize in exactly your situation. We can still get you protected. It looks different, but it works."

💀 KO Condition → GI/ADB Only

"Given your situation, not every door is open — but some are. There's a Guaranteed Issue policy that requires no health questions at all. And an Accidental Death policy that covers the mortgage if something unexpected happens. Let me show you both."

💰 Budget Too Tight → ADB Add-On

"If full coverage isn't in the budget right now, we can start with an Accidental Death policy for about $25-30 a month. It's not everything — but it's something. And something is always better than nothing for your family."

🏠 Mortgage Paid Off → Final Expense

"So the mortgage isn't a concern anymore — that's great! But here's what I want to make sure you've thought about. Final expenses — funeral, burial, medical bills — average $15,000-$25,000. Your family shouldn't have to come out of pocket for that. That's what we can take care of today."

📱 How to Use the Quote Engine

1. Select call type (MP or FE) in the sidebar. 2. Click a lead in the queue. 3. Go to Quote Engine tab. 4. Check health conditions top-to-bottom. 5. Set tobacco and BP meds. 6. Hit Run Waterfall. 7. Review product accordion tiles.

📋 How to Run Term Rates (Compulife)

In the Quote Engine results, click the TERM tile to expand it. Select a term length on Card A. Click "Fetch Rates" — this pulls live rates from Compulife via our Railway proxy. Card B is for comparison quotes.

💾 How to Disposition a Call

After the call, go to the Disposition tab. Select the outcome (Sold, Callback, Not Home, etc.). If Callback — set the date and time. Add your call notes. Click Save Disposition — this updates Supabase and moves the lead in the pipeline.

📊 Understanding the Waterfall

The waterfall always tries in order: Term/IUL first (best commission), then Payment Protection/FE, then ADB, then GI. Health conditions eliminate carriers from the top down. The system finds the BEST available option for each client automatically.

🔍 Carrier Quick Reference

RNA/Royal Neighbors: Best FE preferred rates + diabetes w/complications. CICA: Best for insulin diabetics (Standard at any age). Americo: Best IUL + Eagle FE. Foresters: Liberal tobacco underwriting. Corebridge: GI only (no health questions). Gerber Life: GI 50-80.