Frequently Asked Questions - Carriers & Products

What types of life insurance products can I offer my clients?

As a Symmetry agent, you have access to a comprehensive suite of life insurance products, including:

• Mortgage Protection - Protects mortgage payments in case of death, disability, or critical illness
• Final Expense - Covers end-of-life expenses
• Annuities - Generate income during retirement years
• Term Life - Designed to last a designated length of time
• Indexed Universal Life (IUL) - Permanent coverage with a cash-value component
• Whole Life - Coverage that stays in force until your client dies
• Debt Free Life® - Harnesses life insurance coverage to eliminate debt

What are Quility's proprietary products?

Quility offers a strong portfolio of proprietary life insurance products that are powered by advanced digital underwriting technology. These products are exclusive to Symmetry agents and often can't be found anywhere else in the market.

How does digital underwriting benefit my clients and my business?

Digital underwriting provides several key advantages:

• Faster decisions - Many cases receive instant approval
• Less work for clients - Simplified application process
• Time savings - Both you and your clients save valuable time
• Streamlined experience - Technology simplifies the entire process of securing life insurance

Can I get instant approvals for my clients?

Yes! Thanks to our digital underwriting engine, many cases can receive instant approval decisions. This means your clients can get coverage faster, and you can close more sales in less time.

Are there products available that I can't find with other companies?

Absolutely! Symmetry agents have access to a wide range of products that match clients' specific goals, many of which can't be found anywhere else. Our exclusive relationships and proprietary Quility products give you unique offerings in the marketplace.

What is Debt Free Life®?

Debt Free Life® is one of our specialized products that harnesses life insurance coverage specifically to help eliminate debt. This unique product addresses a specific client need and provides a compelling solution for debt elimination strategies.

How do I stay current on product features and updates?

We offer frequent webinars and training experiences to keep you up-to-date on everything from policy features to product certifications. This ongoing education ensures you're always knowledgeable about the latest product offerings and can serve your clients effectively.

What kind of product training and certification is available?

Our comprehensive training programs include:

• Regular webinars on product features and updates
• Certification programs for specific products
• In-depth training experiences through our Summit and Quility U platforms
• Training materials and resources are accessible through HQ

How do carrier partnerships benefit me as an agent?

Our strong carrier partnerships provide several benefits:

• Access to a diverse product portfolio
• Competitive pricing and terms
• Reliable claims processing and customer service
• Exclusive products not available elsewhere
• World-class incentive programs and rewards

What exclusive experiences are available through carrier partnerships?

Our long-lasting carrier partnerships extend beyond products to include world-class, exclusive experiences for our agents. Every Symmetry agent has opportunities to travel to exotic destinations, from beautiful beaches in South America to sprawling mountain resorts in Switzerland.

How do I know which product is right for each client?

With our robust suite of life insurance products, you can find the perfect-fit policy for every client. Our training programs, sales support, and digital tools help you match clients' specific goals and needs with the most appropriate product from our extensive portfolio.

Is underwriting different for each product type?

While we utilize digital underwriting across our product portfolio for faster decisions, specific underwriting requirements may vary by product type and coverage amount. Our training programs will help you understand the nuances of each product's underwriting process.

Can clients qualify for multiple products?

Yes, depending on their needs and financial situation, clients may qualify for and benefit from multiple products. For example, a client might have both term life insurance and an annuity to address different financial goals and time horizons.

How does Symmetry's product portfolio compare to other IMOs?

Our product portfolio stands out because:

• Exclusive access to Quility's proprietary products
• Digital underwriting for faster approvals
• Comprehensive range covering all major life insurance needs
• Strong carrier relationships ensuring competitive terms
• Unique products like Debt Free Life® not available elsewhere
• Ongoing innovation through technology and product development

What support do I get for product sales and client questions?

You receive comprehensive support including:

• Regular product training and webinars
• Access to product specialists and experts
• Sales materials and resources through HQ
• Digital tools to streamline the sales process
• Back-office support for application processing and client service