Deploy an Insurance Agent and Review Every Policy on Schedule
What it takes off your plate
The AgentWorks Insurance Agent takes the insurance and annuity review work off the advisor and the client service associate who supports him. It tracks each policy anniversary and surrender-schedule milestone, requests the in-force illustration from the carrier, chases it until it arrives and writes a plain-English review sheet, so every policy in the book gets looked at on schedule while your people stay with clients.
Here is how it usually goes. A household holds a variable annuity, a term policy and a permanent policy bought years apart. Between purchases, the paperwork sits in a drawer. When a review is coming, someone calls the carrier for an in-force illustration and learns it will take weeks. The surrender schedule and rider values are buried in a dense policy statement. A wholesaler meeting produces a product idea, and nobody follows it up.
The cost is a policy that nobody looked at when it mattered: a surrender period that ended without a conversation, a rider nobody explained, a premium change the client found on their own. The advisor finds out after the fact, or not at all.
What the Insurance Agent does, step by step
The Insurance Agent starts with the communication, because the slowest part of a policy review is waiting on the carrier.
- Watches the calendar. It reads each household's policies from the CRM and marks policy anniversaries, surrender-schedule milestones and upcoming reviews.
- Requests the illustration. Well ahead of the review, it contacts the carrier's service line or portal to request the in-force illustration and current policy values, with the client authorization on file.
- Chases the carrier. When the illustration has not arrived, it follows up with the carrier and records each request and promised date.
- Asks the client. When the file is missing a current statement or the client's authorization, it emails or texts the client with the one item needed and follows up until it arrives.
- Reads the documents. When the illustration and statement arrive, it pulls out the cash value, surrender charges and the date they end, rider terms and premium schedule.
- Writes the review sheet. It produces a plain-English summary for each policy: what the client owns, what it is doing, which milestones are coming and which questions the advisor should raise.
- Keeps the follow-through. When a wholesaler meeting or a review produces an action, it opens a task and reminds the owner until it is closed.
It works in the tools your firm already uses: Redtail or Wealthbox for the household, the carrier's service channels for illustrations, and email, SMS and phone for the client conversation.
Where the work is recorded
A review sheet that lives only in an email thread is lost by the next cycle. The Insurance Agent writes to the record your team already opens.
On the household record in the CRM, the CSA sees each policy with its next anniversary and surrender milestone, every carrier request and follow-up, the illustration received and the review sheet attached. Tasks from the review sit on the record with an owner and a due date.
What a person sees the next morning is a short list: illustrations received overnight, requests still waiting on a carrier, review sheets ready for the advisor, and policies with a milestone coming soon. When the client calls about a letter from the carrier, anyone on the team can open the record and answer from the same page.
The review sheet also feeds the household's full review brief, covered in client review automation with CRM and how schedule review software saves time.
What your people do instead
Your advisor spends the review explaining the policy and deciding what to do with it, not calling a carrier for values. Your CSA helps the client in front of them instead of sitting on hold with a service line.
That is the division of work. The Insurance Agent carries the calendar, the carrier chase, the client requests, the document reading and the review sheet. Your people carry the conversation: what a surrender milestone means for a retiree's income, whether a rider still fits a household, how a policy sits in the plan. Client satisfaction is built in that conversation, and the Insurance Agent makes sure it happens on time for every policy.
One next step
Take the free Financial Services Industry Assessment to see which workflow an agent should take first in your practice. Then visit the Financial Services industry page to see where the AgentWorks Insurance Agent fits alongside the rest of your team.
See where the Insurance Agent would start in your financial services business.
I'm Harris, the Financial Services ambassador here. The free Industry Assessment reads your website and asks how calls, follow-ups and records happen today, then shows the first workflow worth handing to an agent like this one — and what your team gets back. Leave your email and I'll send the link.
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