HOW TO PROTECT A FAMILY
(Start to Finish)
1. Always Studying
2. Invest In Leads
3. Presentation
4. Needs Analysis Form
5. What to Write
A. Fill Out Americo App
B. Cheat Sheets
C. Slack App or Discord (Underwriting Genie)
D. Insurance Tool Kit
E. Call Manager
6. Quote Tools
7. Giving Options
8. The Close
9. Rebuttals
10. E-Apps
11. Stop Charge Backs
12. Get Free Leads
13. America Submit . Com (Wednesdays)
14. Admin Daily
1. ALWAYS STUDYING
Watch video. (1 min) Sharping your axe is studying. Cutting trees is selling. Moral - When you stop studying, you sell less.
How to close anyone.
We cannot ascend to the levels we dream of without coaches who have made it to the levels we want to achieve. This guy is one of my coaches. This training will change you forever, for the better.
If you watch it one time it will be pointless and you will forget. Watch it 5X and it will download to memory. Watching multiple times creates perspective shifts. 🔑
Perspective is everything in this business.
As a team we like to think of a LEAD as a REQUEST. It is just a person requesting your help.
We like to think of a SALE as HELPED. We don't want to convince or sell a client, we want to find the need by asking tough questions, and help the client solve that problem.
We like to think of a CLOSE as PROTECTED. Our jobs are to insure the families we help are protected finically, no matter what the future holds.
Change your Perspective, Change your Results.
2. INVEST IN LEADS
(SUPER 🔑) Invest in client requests, minimum $500 consistently, every single week. You can't make money in business without investing consistently every week. This is a Win or Fail decision. Choose wisely.
Free Lead Money Generator!!!!!!!!!
You have your license to make money right now. Do not let yourself make the excuse that you don't have money for leads. Text 100 People on Social and or Contacts on your phone.
Text Message Script
Hey, what's up! How's life? Been a while.
(respond to what they say & end with….How’s work?)
(They respond, Then..)
Great to hear, ya man I just started at this new job, it is pretty awesome. It's the largest brokerage in the United States. They specialize in debt reduction, retirement planning, income replacement, illness protection, injury income protection, pay off house protection, death protection, funeral protection, anyways they do a lot, putting families in a better spot. Just wanted to give you a heads up that they offer a FREE needs analysis for our friends & family and thought I would throw it out, since it's free. Absolutely free, no obligations, no sales pressure, just info to see if we have anything to put you and your family in a better spot. If we can help ya, great, if not great. It's just a free service we can offer our friends and family. Did you want to set that up?
(They say no)
No big deal, glad to hear life is treating you well. We need to connect soon and catch up. Hey my manager said we are still hiring for a few spots if you know anyone looking for a career change. Know anyone looking?
(They say yes, I am looking)
Cool, ya they don't hire everyone, its hard work but pays very well. You can check out this short video that talks exactly about what it is we do, and then there is a interview link on the site. I can't promise you anything but worth a shot. Watch it at www.fflrush.com
Remote: Need Licenses in more States for more leads?
Once you have your license in your home state, you can apply for your license in any state. Just have to pay the license fee for that state. Usually in about 48 hours you are able to write business. Fee is about $50 to $200 depending on the state. States to avoid that take longer to apply for: GA, FL. Don't get NY.
Lead discounts
Get major lead discounts and access to a desk at all offices nationwide, with Workspots. If you are buying CRM leads you will save money with this program. Cost is $99 a month. Get 30% off lead coupons sent out around 3 to 4 times a month. Spend a $1000 on leads. Save $300. App pays for its self.
Dial 4X Faster with Auto Dialers
🚨FREE LEAD HACK🚨
Track your clients in a spread sheet. After 1 year shoot them this text:
Good Morning…….,
Hope all is going well! It’s been a full year now since we have been working together, congratulations on getting through it. It’s time for us to schedule our annual review which is a routine action we do with life policies. We do it to make any changes, updates as well as make sure we are on track with your goals which we discussed when putting your policy in place. Also if you know of anyone else who I would be a good fit in helping out. I have a good 15 minute window this afternoon at 4:30pm if that works, if not we could have a quick chat tomorrow if that’s better. Let me know!
John Bitinas - Agent for Life
3. STUDY SCRIPT (40 Hours)
40 Hours of Memorize.
Know Rebuttals like back of hand.
Be able to set appointment only looking at outline
Be able to do entire presentation looking only at outline
Book one on one coaching session when its memorized.
LIVE PRESENTATIONS - (READ BELOW)
Watch as many times over and over to learn how to copy and repeat. Both are for a Mortgage Protection Lead. If you are selling Life Insurance Lead or Final Expense Lead the only difference is how you find the NEED. The rest of the presentation is exactly the same for every lead. How to find the need for Final Expense or Life Insurance is below in two different videos.
FIND THE NEED - LIFE INSURANCE
FIND THE NEED - FINAL EXPENSE
YOUR HOLY GRAIL - THE SCRIPT
Practice this out-loud for 40 hours. Over and over and over again. ALL 7 pages. Read out loud until you can only look at the outline on the first page. Know your rebuttals. Be ready to start THURSDAY!
PRESENTATION TIPS BELOW:
FIND YOUR NO's
On CRM, 10% will be open to hearing option for a presentation & 90% No's. This is why they cost $10. If you spend $50 on a lead you will get to 50% open to presenting options 50% No's. No's are part of the business. The more No's you get, the more Yes's you will get. How many No's can you get in a day? Be proud of No's, means your working.
3 DIALS, 3 TIMES A DAY
The key is 3 DIAL, 3 times a day for a total calling of each lead 9 times a day. This is how you get them to answer and to get call backs. Get a batch of leads. Dial them 3 dials in a row each for 2 hours. Then start again at the beginning.
DIALING STRATAGY
Take a batch of 100 leads Divide into stacks of 25. Triple dial 3xs through If you are hand dialing this should only take an hour. Any leads you didn’t connect with text “If this is ( name) call me” When they call back go immediately into script Repeat with next batch of 25.
ANY OBJECTIONS, SAY:
"Perfect that is why we are calling" (Back to Script)
CAN'T PRESENT ONE CALL CLOSE:
If you're trying to protect someone on the first call, go right away into the presentation. Do not ask if they have time to talk. If they interrupt and say they don’t have time, they are not home or if the spouse is not home, say:
"OK perfect that, is why I am calling, I need to spend an hour researching the lowest cost plans anyways, what is your medical background like, any surgeries, or medical conditions we should be aware of.... Ok when are you both home. Ok so I am going to do this research and have some options for you, when I call back your defiantly going to be home when I call right?
This will create curiosity to know the cost for the policies and guilt to answer the phone because they know how hard you worked on their case.
REDUCE NO SHOWS, For Set Appointments
If you book an appointment and want to reduce no shows, text the client a reminder text in the morning.
Example: Hey (Name), its Ryan. Just confirming our phone appointment today. You can expect a call around 7-7:30pm from this number. (copy of you driver license and NPN:)
DIAL 4X FASTER
*Only for CRM leads. Speed up your CRM dial time with Phone Burner or Ringy. Dial 4x faster. Great business investment, $104 a month, to save you time so you can help more people. Dial 3 times in a row, 3 times day.
GET YOUR NUMBER UNBLOCKED
One of our agents was struggling to get people to answer the phone with internet leads, he did some digging and found that using PhoneBurner he was getting people to answer the phone 3-4% of the time, using his personal number he was getting 15-17% answer rate. Here is some other helpful information to make sure your agents aren’t getting their numbers flagged: What's Happening? Wireless carriers like Verizon and T-Mobile are under pressure from recent FCC regulations to prevent spam calls from passing to their customers. As a result, wireless carriers are jumpy to label numbers that repeatedly call their customers as "SPAM," and their mechanism for labeling the numbers is far from perfect. My apologies for any frustration experienced here. This can occur regardless of the phone service that holds the number you're using. Next Steps: - Complete the Whitelisting forms below so that your calls are not mis-categorized by the wireless carriers.
• AT&T/Wireless/Call Protect/HIYA https://hiyahelp.zendesk.com/hc/en-us/requests/new?ticket_form_id=1500000701521&mkt_tok=NjIyLUxNRS03MTgAAAAAYVax8IwqLIZVtbRhWvTRSBdAuvQeFuFAnG6c5odTKTHe813J-OVEjC6czHiW
• Verizon/Wireless/TNS https://www.reportarobocall.com/trf/?mkt_tok=NjIyLUxNRS03MTgAAAAAYVax8IwqLIZVtbRhWvTRSBdAuvQeFuFAnG6c5odTKTHe813J-OVEjC6czHiW
• T-Mobile / FirstOrion / PrivacyStar https://callreporting.t-mobile.com/ -
Please note that each carrier uses their own timeline when processing a whitelisting request, and they will not provide status updates to you. Processing may take 2-3 weeks per carrier based on the volume of their requests. - Optional: you may add an additional local number with your dialer. If doing so, we recommend that you submit it for Whitelisting immediately after it's added. Also, if you text the person first from the number you call, it’ll bypass getting flagged because it’s like you already know the person.
Report Improperly Identified Call
Help improve Scam Likely number call tagging by letting us know if we got it wrong
4. NEEDS ANALYSIS
(FINANCIAL INVENTORY)
Print a lot of these. You will use one for every presentation. After your presentation opening, fill out this form. It will help guide you to what products and plans will best suit your client's needs.
Make sure before you ask for prescriptions to say "Please be honest with me about your medical so we can put you in the right plans that have the best chance for approval. They will see every prescription you currently take and anything sent to the pharmacy in the last 7 years regardless if you picked up the prescription or not. They will also see codes for medical background like heart attacks and cancer. Can you be honest with me?"
Needs Analysis Form .pdf5. WHAT TO WRITE
What prescriptions do they take?
Google the Medication Names to get conditions used for (Always google) Don't trust the client.
Ask medical background questions on NEEDS ANALYSIS.
Ask about surgeries & hospitalizations in the last 10 years.
PICK ONE OF 5 METHODS
A. Fill out Americo App.
B. Use Cheat Sheets
C. Underwriting Genie (On Slack or Discord)
D. Insurance Tool Kits
E. Call upline. 2x in a row so they know its an emergency.
A. FILL OUT (AMERICO APP)
*Easiest (No Stress) way to start.
(Only 3 Products) Tell the client you have to see if they can qualify first. After the first signature process Americo will tell you if they are declined or if they may qualify. If you get a "may qualify" this means your client passed the prescription check and you are good to go. Now go to quoting tool and price out some options.
If Life or MP Leads get declined offer MOO Accidental (Age 18-70).
If Final Expense Leads get declined offer AIG Garanteed Issue.
3 or Less Medications
30yr TERM (With Money Back)
Product to write when starting
Americo - (CBO100)
Why write this: In this age bracket, cash back options are priced well enough so that you can get the client an affordable premium with their money back. Thus, making the policy free. 30 year terms are cheaper for cash back than 20 year terms.
Features: CBO100 - stands for Cash Back Option with 100% Cash Back. Comes with Critical and Chronic illness riders for free. Critical illness: allows the the client to access the policy while living if they get cancer, have a stroke, or heart attack. Chronic illness: allows the client to access the policy if they need help with two daily living activities. (Get into/out of bed or chair. Toilet. Bathing. Getting Dressed. Eating. Transportation.)
Good questions to ask client: If you get all your money back, how much do you pay for the policy? If you get something for nothing what do you call that?
4 or More Medications
WHOLE LIFE (Lasts Whole Life)
Product to write when starting
Americo - (Eagle Premier)
Why write this: Whole life policies lasts the client's whole life for a guaranteed pay out. It is the only insurance that exists that will guarantee a pay out.
Good questions to ask client: What are the chances of you dying in your whole life? What are the chances of the policy paying out? What are the chances of you wasting money on a guaranteed pay out?
Features: Pays double pay out if they die of an accident.
Replace with - Americo - (Eagle) with Aetna - (Accendo) when you get contracted with Aetna. Keep calling the carrier Aetna to check on your contracting to make it move faster. Aetna can take up to 4 weeks to get contracted. This product has an advantage over the Americo - (Eagle) because the E-app is super easy and fast and pays 5% more commission.
Age 18 to 70
ACCIDENTAL (Can't Qualify)
Mutual Of Omaha
(Guaranteed Advantage)
Why to write this: Everyone is approved. It is a cheap option with a lot of coverage. For instance, you can put husband and wife on one policy. It is a fast E-app, a 25% additional pay out for auto related death and a double pay out for public transportation. This policy goes up to a half a million (which sounds great when you say it like that). So saying "Hey, want the half a million plan?" is recommended. This is great for add-ons to Term & Whole life.
Features: Can add a 100% Return of Premium Rider onto the policy if they are below the age of 50. (Depending on the state) 100% Premiums back after 30 years.
B. USE CHEAT SHEETS
On TERM CHEAT Sheet:
If it says Decline then offer Accidental.
If is says Not Asked write Term.
If Life or MP Leads get declined offer MOO Accidental (Age 18-70).
On WHOLE CHEAT Sheet:
If it says Preferred, Standard, Not Asked, or Immediate write Whole Life.
On the Whole Cheat Sheet, if it says Guaranteed, ROP, Graded or Modified, all of these terms essentially mean the same thing. Different carriers, for some reason, have different terms they use for rating classes, but they all mean the same thing. Confusing I know. But they are the same taking class. It means. 2 year waiting period. If the client dies of natural causes in the first two years, the death benefit will NOT pay out, the premiums will be returned to the beneficiary, plus 10% interest.
Guaranteed, ROP, Graded or Modified rated policies pay about 30%-50% less commission as well. And cost about 40% more in monthy premium than a Prefered, Standard or Imediate Rating Class.
If the client can only get an accidental payout for the first two years, then why not write a MOO (Mutual of Omaha) accidental policy for them, revisit with your client in a year or two and see if they can get a better policy. This way, the client gets more coverage at a more affordable premium, and you make more commission so you can get more requests and help more people. This is a win-win.
Guaranteed, ROP, Graded or Modified Explained:
If someone has diabetes and is taking the medication "Gabapentin" every insurance carrier will automatically take that as the diabetic complication "diabetic neuropathy" regardless is they take Gabapentin for a diabetic complication or not. It is the only tricky one on the cheat sheet so remember it. Go MOO ACD.
If someone has taken any pain medication like oxycontin, DO NOT write Americo CBO100. For some reason Americo doesn't like pain medication. Go with AMAM Home Protector.
On Final Expense Request:
You can only write Whole Life, so only use the Whole Cheat Sheet and write what the rating class states.
C. DISCORD APP
Download Discord App. Post in "underwriting-genie" Channel and get an answer back of what to write in about 1 minute.
E. CALL YOUR MANAGER
You can always call your manager and ask them what to write as well. Call them 2X so they know its an emergency. If they are in an appointment or on a call they will click over and tell you what to write. We got you!
6. QUOTE TOOLS
Add quote tool to phone homescreen for quick access
Start to play around with some quotes
Check Promotion Guides
Practice E-Apps
7. GIVING OPTIONS
Only Give Two Options
Always start with highest cost option and work your way down in price.
Give Same Product for both options.
On Second Option: DO NOT Change Product, Term Length, or Riders.
On Second Option: Reduce 1st option coverage amount in half.
Example: Male 35yrs old
1st Option
Americo CBO100
$500,000 Accidental ($250K Accidental Rider)
$250,000 Full Coverage / Any Death / Disease Death (Don't go above $250K or it requires a swab test)
Riders: Critical Illness, Chronic Illness
100% ALL MONEY BACK
Term Length: 30 Yr Term
Price: $170.00
2nd Option
Americo CBO100
$250,000 Accidental ($125K Accidental Rider)
$125,000 (Full Coverage / Any Death / Disease Death) (Don't go above $250K or it requires a swab test)
Riders: Critical Illness, Chronic Illness
100% ALL MONEY BACK
Term Length: 30 Yr Term
Price: $88.75
Example: Male 65yrs old
1st Option
Americo - Eagle Premier
$60,000 Accidental ($30K Accidental Rider Included)
$30,000 (Full Coverage / Disease Death)
Lasts Whole Life, Coverage Locked, Price Locked
Price: $188.59
2nd Option
Americo - Eagle Premier
$30,000 Accidental ($30K Accidental Rider Included)
$15,000 (Full Coverage / Disease Death)
Lasts Whole Life, Coverage Locked, Price Locked
Price: $96.20
8. THE CLOSE
GET THE FAMILY PROTECTED
After you present the two simple options say: "We can’t make a decision today, because we don’t know if you are going to qualify, but if you were to qualify, which one of these do you think would make the most sense, based on protection & affordability?" or "Tell me what you like and don't like about it and we will keep designing it"
Then Be Quiet and give your client time to think. If you are not quiet the client may say, "I need time to think about this" because you didn't give them time to think. Silence is ok, silence is confidence. Let your client decide. In your mind it is awkward, but in theirs, a major conversation is being had. People that interrupt silence are trying to sell. People that are quiet and give the client time to think are trying to help. Don't sell. Help protect. ❤️
9. REBUTTALS
If you are getting any rebuttals at all, it is because you didn't find the need before you presented options. Do your opening better. Be curious about the Need. What is the problem? How can you solve it? Save yourself 30 minutes of rebuttals, by spending 5 minutes asking better questions to find the need.
(Print and read out loud 100 times. Practice and memorize)
Rebuttals10. E-APPS
Open and practice E-Apps.
Carriers Numbers
● Americo: 800-231-0801
● Mutual of Omaha: 800-867-6873
● TransAmerica: 877-234-4848
● AIG: 800-677-3311
● Global Atlantic: 855-887-4487
● Athene: 888‑266‑8489
● CFG: 800-423-9765
● Foresters: 800-828-1540
● John Hancock: 877-606-7779
● American Amicable: 800-736-7311
● Aetna: 866-272-6630
11. STOP CANCELS & CHARGEBACKS
1. Text Your Contact
Save all your info in a personal contact in your phone. Your Name, (put something "Ryan Reynolds Life Insurance" so they can look you up easily), Your phone number, email, address, picture of you. Ask them to save it in their phone so they can get a hold of you anytime. Remind them that they can always search their phone for "insurance" in case they forget your name.
2. Establish Need 🔑
"What are the three most important reasons why you got this policy in place?" Dig in deep, this is your chance to battle all rebuttals in their head. Do it with them while you have them in person. Better to have that doubt discussion with you there, than after the appointment without you there.
Is _____ not worth $____ a month to make sure _____ protected no matter what?
3. Cancels happen when you don't establish need.
Ask questions till you either get a "Yes I do want to protect my family" or a "No I don't care about my family" You need to find the why and establish need before you give options. The key is to ask questions. Not make statements. Be curious and help. Do not sell or convince with statements. Why did you fill out the form? Why did you want to look into it? Who are you trying to protect if you die? What would happen if you were to die tomorrow? How do you know nothing bad will happen in the future? Well if ___ did die, what would the financial situation look like? How much income is ____ losing a year if you were to die? What would you like to happen in that situation? Would this tax free income help ____ if you were to die tomorrow? If we find something in your budget today do you think this is important to have in place for ___? What kind of coverage do you have in place today?
4. Stomp Competition 🔑
Text a copy the form below to client and read every word to the client.
12. GET FREE LEADS. (REFERRALS)
Keep in mind that to present options (give the client a choice of yes or no) cost about $100 no matter that lead type. Spend $1,000 a week. Thats 10 chances. 1 protected makes you $1000 average. Protect 5 = $5,000. 5x your money. Not getting good at refferals is costing you money. Everytime you don't ask its kinda like taking a $100 bill out of your pocket and lighting it on 🔥.
🚨FREE LEAD HACK🚨
Track your clients in a spread sheet. After 1 year shoot them this text:
Good Morning…….,
Hope all is going well! It’s been a full year now since we have been working together, congratulations on getting through it. It’s time for us to schedule our annual review which is a routine action we do with life policies. We do it to make any changes, updates as well as make sure we are on track with your goals which we discussed when putting your policy in place. Also if you know of anyone else who I would be a good fit in helping out. I have a good 15 minute window this afternoon at 4:30pm if that works, if not we could have a quick chat tomorrow if that’s better. Let me know!
John Bitinas - Agent for Life
13. SUBMIT NUMBERS
Daily Submit.
After you submit a policy for approval, add you monthly premium to the tracker. DO NOT, delete data. It is a live tracker.
Weekly Submit.
Submit your weekly numbers every Wednesday night. This is how Family First Life tracks your production and how you get comp raises. If you did zero, submit zero. The week starts on Thursday & ends on Wednesday. Easy to remember. AMERICA SUBMIT www.americasubmit.com
14. ADMIN DAILY
- Call the carriers every morning to check and see if they got approved. You don't get paid until the policy issues. Just because it is approved does not mean it has been issued. You need to make sure every policy is issued every day. Make this part of your morning schedule. Watch a video, check on policies, then get to work protecting families!
- Make a google sheets to track the clients you have submitted business for, or keep a notes on them. Make sure every policy gets issued.
Taking CRM Leads Out of Rotation
Make sure you are suppressing your leads at least once per week.
Suppressing a lead is what you'll do when you make a sale. By doing so, you are reporting that sale to FFL so that that lead's life cycle can end, ensuring that no other agents purchase that lead after you.
Here are the steps to suppress your lead(s):
In your CRM, go to manager leads > Go to search
Use the filters to find your lead > Open that lead
Grad the lead ID from the URL bar and add that to an email to leads@familyfirstlife.com
Take a screenshot from the carrier website with your client's name listed, or a screenshot of the first page of your e-app and attach that to the email as well, please.
There is no limit to the number of leads you can suppress per email. Again, it is recommended that you do this at least once per week, so that you get all your leads out of rotation.
Save in Phone Notes (Copy, Paste, Fill In Your Info)
(YOUR NAME) - LIFE INSURANCE CONTACTS
Submit Weekly WEDNESDAY NIGHT. Numbers Link Under FFL RUSH
National Producer / License#
SuranceBay
(personal link is emailed to you, put here)
UN: PW:
CRM
https://ww3.familyfirstlife.com/login.aspx
UN: ( ) PW:( )
Add people to CRM
https://www.loom.com/share/ca26a3bc48b748978a0fb4b10bba5753
HCMS https://hcms.chims.uppatop.com/login
UN: ( ) PW:( )
Licensed in states: ( )
Medical History Reports
Milliman InteliScript 877-211-4816
rxhistories.com
MIB.com
AIG
Producer #:
Agent Support: 1 (800) 677-3311
Online Portal: www.aig.com/connext
Pricing Link: https://www-115.aig.com
FE portal: www.aig.com/giwl
UserName: ( ) PassWord:( )
Atena
Producer #:
Agent Support: 866.272.6630
Pricing: https://www.aetnaseniorproducts.com/ssi
E-App: aetnaseniorproducts.com
UN: ( ) PW:( )
Americo 3, 3,
Producer#
Agent Support #: 1-800-982-8146
Verbal Amendment: 1-855-248-8327
FE OVER PHONE: 8552488327
Pricing Link: http://quote.americo.com
Online Portal: http://agent.americo.com
Submit App: submit@americo.com
MedSup Quote: www.quoteamericomedsup.com
UN: ( ) PW:( )
American Amicable
Producer#
Agent Support #: 1-800-736-7311
Pricing Link: https://www.insuranceapplication.com/cgi/webapp/mlogin.aspx
Online Portal: https://www.americanamicable.com/marketing-login.html
E-Apps: https://www.insuranceapplication.com/AppPage/index.html
Underwriting: underwriting@aatx.com
UN: ( ) PW:( )
Foresters
Producer#
Agent Support #: 1 (866) 466-7166 NB 1,2,1
Apptical #: 1 (866) 844-9276
Client Support #: 1-(800) 828-1540
Client Cancel Fax # 1-866-300-3830
Pricing Link: www.forestersquotes.com
Online Portal: https://portal.foresters.biz
Fax: 1877-329-4631
UN: ( ) PW:( )
Mutual of Omaha
Producer#
Agent Support #: 1-800-775-7896
Client Support #: 1 (800) 775-6000
Client Interview # 1 (800) 775-3000
Pricing Link: (on App Store)
Email Apps. Lifeapps@mutualofomaha.com
Underwriting: liferequirements@mutualofomaha.com
Online Portal: https://accounts.mutualofomaha.com
UN: ( ) PW:( )
Prosperity
Agent#
Agent Support: 1-877-725-4872
Pricing: https://insuranceadmin.com/agent/login.php
Agent Portal: https://insuranceadmin.com/agent
UN: ( ) PW:( )
John Hancock
Payroll#
Support Vitality 1-866-595-7361
Contracting # 877-606-7779
Portal:https://agent.johnhancockinsurance.com/login/
E-APP: https://instant-apply.johnhancockinsurance.com/intake-brokerage
Pricing Link: https://instant-apply.johnhancockinsurance.com/get-a-quote-brokerage
Benefits: https://www.johnhancockinsurance.com/vitality-program.html
Email: simplifiedtermlicensing@jhancock.com
Look Up Policy: https://instant-apply.johnhancockinsurance.com/esign
UN: ( ) PW: ( )