Frequently Asked Questions

Preparing To Submit An Order

What is Accelerated Underwriting (AU) and Fully Underwritten?

AU is designed to underwrite with no medical requirements, which means no exam, labs, or medical records. AU clients are still subject to database checks, such as the MVR, RX Check and MIB.

Fully Underwritten requires completion of medical requirements such as exam, labs, and medical records.

Do I need to be licensed and appointed to sell life insurance before submitting an order?

You must hold a valid license to sell life insurance in the residence state.

For appointments, your team will check your appointment with the selected insurance carrier. To confirm if you are appointed, contact the Contracting Department.

Can I experiment with the system without actually submitting an order?

Yes. Refer to Demo.

Which products are available on Vive?

Refer to Carriers & Products list.

Can only licensed producers run quotes?

Vive can grant special permissions to agency administrative staff, allowing them to run quotes and complete the drop ticket information before handing it off to the licensed producer for final review and submission to the carrier. However, only licensed producers are authorized to submit the order.

Submitting An Order

Can I split commissions on Vive cases?

Yes. On the agent page (last page of the order), you can enter the split commission information.

Can I submit orders for my clients with medical conditions?

Yes. Contact your agency support to determine the appropriate underwriting class before completing your order.

Can coverage be bound when I submit an order?

Vive will never ask you or your clients for personal banking information. The carrier will directly collect this information from your client during the application fulfillment phase. Your agency can provide a list of carriers that offer pre-payment options.

Can I submit an order for a replacement policy?

Yes. Replacements are acceptable in most states EXCEPT New York.

After Your Order Is Submitted

Why does the application need to be signed if an interview was completed?

Insurance applications are binding, legal documents. Clients must consent to applying to life insurance by walking through a signature process.

Is there a client guide available to explain the process?

Yes, once the order has been placed, a step-by-step guide will be emailed to your client. A copy of the guide can also be found under 'How Vive Works' or on the homepage of Vive, in the lower right corner under the case status portal.

What happens during underwriting?

The carrier will review your application, run database checks, such as the Motor Vehicle Report (MVR), RX Check and MIB. Subsequent requirements may be requested, from administrative clarification to obtaining and reviewing of medical records.

Why are medical records needed and how long do they take?

Medical Records are needed due to age, face amount and/or medical impairments disclosed on the application or the exam. Dependent on the medical facility, the average turnaround time is 30 days.

Is online case status available?

Yes. Up-to-date case status is available 24/7 from your PC or mobile device. Once logged in, you can click on the case status tab.

Approval & Policy Issue

Who notifies the client of the underwriting decision?

You will receive notification from your agency support once a decision has been rendered. During this time, communication should be made to your client.

Can I update my quote after a decision?

Yes. You can run updated quotes any time, to include changes to the underwriting class, face amount and term length.

How is the policy delivered?

For carriers participating in electronic delivery, the policy will be emailed to your client. For carriers not participating in e-delivery, a physical policy will be mailed to the agent. There may be policy delivery and premium payment requirements to complete the case.

When is payment collected?

Premium Payment is collected at policy delivery.

How do I get paid?

Once your case is issued, delivered, and placed, commissions will be released.

Client Portal

What is Client Portal?

Refer to Vive Client Portal in the navigation bar of the homepage.

How do I get a Client Portal account?

Hover over the 'Client Portal' in the navigation bar at the top of the page and click on 'Manage Subscription' from the pop-up menu. Your portal name, phone number, and email address will be pre-populated based on the account registration completed the first time you accessed Vive. If applicable, you can add additional text in the Disclosure field.

You may also upload your headshot and agency logo, and select the carriers you wish to offer your clients. On the Subscription page, your customized portal address will be generated. Simply copy and paste the link into your website, email signature, social media pages, or anywhere you wish to promote your business.

How will I know when a client has accessed my Portal link?

Once the client has completed the required fields on the first page of the quote and clicks 'Continue,' the data is automatically saved. You will receive an email notifying you of the activity in the portal. Once in Vive, hover over 'Vive Client Portal' and click 'Quotes.' You can view all activity within your portal, including the data entered by your client. If they did not complete the questionnaire in its entirety, you will be able to see where they left off.

How do I submit an order that was created in Client Portal?

Once signed into Vive, hover over 'Vive Client Portal' and click on 'Quotes.' Locate the quote you'd like to submit and click 'Import' at the top of the page. This will pre-fill the data into a new order, allowing you to review, edit if necessary, and answer any remaining agent questions. When you're ready, click 'Submit!