New Agents
What is the Split Commission Policy?
The minimum requirement for a percentage commission split is 5% and 95%. When an application has a split commission, the agent submitting the application in Opt! must have the other writing agent’s Opt! ID to create the split. Each manager has their downline agents Opt! IDs. The split application is reflected on the application report for the agent who purchased the lead/the agent that enters it in Opt! The second agent will receive APV credit according to the split arrangement. The second agent does not receive writer credit for leaderboards. All QRS applications must include the commission split with Alex Launders, ALEXL3, in Opt!
Can I have an application deleted?
The New Business department cannot delete applications declined by the carrier. The following examples can be edited with proper documentation:
Application was submitted under the wrong lead in OPT! and will be resubmitted immediately.
Application was declined by the agency owner for multiple errors and agent will rewrite and resubmit.
The policy was withdrawn at the carrier by the client.
All requests will be submitted through Zendesk and require:
A screen shot of the increased or decreased issued business from the carrier website with the policy status listed, client name, agent name, and policy number.
Include the original policy premium and the carrier updated premium.
The New Business department will decline a deletion or edit request if the requirements above are not met.
Can a submitted application be edited in Opt!?
If the APV, client name, etc. is incorrectly entered, submit an Application Information Edit Request via Support New Business Ticket as follows:
Current/Corrected Writing Agent Name
Current/Corrected Client Name
Current/Corrected Carrier
Current/Corrected APV
Current/Corrected Date Submitted
Application edits must be within the current business month.
The New Business department cannot edit or switch the pdf that the agent attached during the submission process.
How do I update the APV and/or face amount on previously submitted business?
After submitting the application to the carrier and the updated APV has been issued-paid, to receive credit create a Zendesk ticket with the subject header, “Application Update Request” and include:
A screenshot of the increased/decreased issued business from the carrier website.
List in the email the original policy data – client name, carrier, APV.
List in the email the updated policy data – client name, carrier, new APV.
Please note: Business from closed business months will not have their APV or face amount edited for reporting standards.
Do I need to perform a lead transfer before submitting an application?
YES! The agent submitting the application must be the lead owner. If an agent writes business on a lead they did not purchase or is missing from their account, it could force the lead back into the system to be recycled as a bonus lead and another agent will contact them. To prevent this from happening all leads purchased with Quility used to submit business must be pulled from Opt! If you cannot find the lead, before submitting the application please submit a support ticket in HQ for assistance.
What does the status of my application mean?
Submitted — Agent submitted the application into Opt! and is ready for the manager to review.
Agency Approved — Approved by manager and then forwarded to corporate for agent contract. Will change to approved once corporate forwards it to carrier.
Approved — Approved by manager OR corporate, will count towards the leaderboards, and thus forwarded to carrier.
On Hold — The application is waiting for outstanding requirements.
Declined — The application has been declined by your agency owner. Please reach out to them for discussion.
Deleted — The application has been deleted and will not count on leaderboards.
Why is my application not showing at the carrier, and do I need an application resend?
First, check to see that your application has an “approved” status. If not, reach out to your agency owner and the Contracting department to ensure that you are fully contracted with the carrier you are submitting business.
If you’re using a paper application and it has an approved status in the system, and you do not see it listed by the carrier please submit a support ticket in HQ with the subject header “Resend Application Request.” All resend requests must contain:
Writing agent name
Client name
Carrier
APV
Date submitted
Please allow the carrier a minimum of three business days to process your business.
How do I access the software to fill out applications?
Please visit the Carrier Resource page here https://hq.quility.com/page/available-carriers.
Also feel free to log into your IPipeline account for access to application software.
Please note: all carriers you are contracted with have their products available on their website.
Will we still be doing business in Opt! or only within HQ?
You will use both. HQ is used to save time and centralize activity, all agents are still required to submit their business in Opt! Additional features will be added to HQ in the future.
Do we submit business on our clients in Opt! or HQ?
Please use Opt! to submit business on your clients.
What can I do with rewritten policies?
When you rewrite a policy for a client, the original policy will remain “Approved” in Opt.
How often will the data be updated for placed business by the carrier?
Placed data is updated once a month, typically by the second full business week of the following month. You will not see "current month" placed data, only data for the previous month.
How do I submit a declined SBLI application into Opt?
In your Agent Portal under the “Closed/Cancelled” column, click on the actual number and you can screenshot the policy details. Save the policy details as a PDF to submit as an application in Opt.
What do I do if I can’t upload the full application into Opt?
Opt! only allows PDF files up to 12 MB. Please download a PDF converter that will allow you to reduce the size of your file to 12 MB. If you cannot upload the full application, then please email it to the New Business department newbiz@quility.com. Opt! will only allow one attempt to upload all files, so please reach out to New Business by email if you cannot fit the whole application once it is submitted. Do not try to split an application if the file is too large. This will create duplicates in the system. The New Business department can edit errors and missing information in Opt! after submission.
What are Just-In-Time Applications?
Certain carriers provide the opportunity to write and submit business while in the contracting process with the carrier. Please watch this video (reference JIT training video that Jen Yaross is making) for instructions and information on this option.