Quantum Best Practices Guide

Answers and tips for the most common Quantum illustration and application challenges.

Contact Info:

F&G Underwriting: The 5 D’s

When screening your clients, remember the most important questions.

Doctors: Who is the last doctor they saw? Have they seen any specialists recently?

Dates: When did they last see a doctor?

Details: Why were they seeing this doctor? Any symptoms being experienced?

Diagnosis: What was the outcome of the appointment?

Drugs: Were any prescriptions written? Were the prescriptions filled or refilled? Taken or not taken?

Client Eligibility:

Use the Quantum Pre-screen Brochure to eliminate ineligible clients. We also strongly recommend submitting details to underwriting at RiskAssessment@fglife.com.

Ineligibility Warning:

If you see a message after the Personal History/Health section, it means one or more answers could make the client ineligible. Use this screen to double-check responses before underwriting makes a decision. This step follows F&G’s internal rules (not vendor checks like Milliman) and won’t trigger an MIB record. “Carrier Ineligible” messages usually relate to identity or product guideline issues, not health answers. If declined here, underwriting stops; if they pass, the application moves to full underwriting.

Recommendation at this stage is to submit the case details to the F&G Underwriting Team at RiskAssessment@fglife.com.

Illustrating in Navigator:

Quantum is exclusively illustrated and applied for through the Quility Navigator and Pathfinder platforms.

Start a new case from the ‘Quote/Apply’ section by adding a new client (or selecting an existing client), then selecting ‘IUL’ as the Product Type.

Simplified vs Advanced Path:

The Simplified Path is a simple allocation 100% to S&P. The Advanced Path allows for more complex illustration inputs tailored to the case design.

Tip: An easy way to verify the input selections for each path is to click the carrot drop down on the Quote Results page.

Quoting Limitations:

Quantum does not allow:

Annual premium payments, Lump-sum dump-ins, 1035 exchanges, replacements.

Juvenile Applications Info Entry:

For a Juvenile application, enter the following information to apply:

Type of Identification = "Other", Issue Country = US, Issue State = [residence or birth state], Identification Number = Child’s SSN, Other = type “SSN”, Income = Parent Information.

For HIPPA authorization & application signature collection, use the parent/guardian’s email as the insured’s email.

If the guardian is also the policy owner, enter the same email for both roles. This will trigger two separate signature emails (one per role).

Doctor Details Page:

Quantum is best-fit for relatively healthy clients with limited to no medical history to explain.

If there is any information to be explained in Underwriting, list under “Reason & Results of Last Visit” section.

Drivers License State & Verification:

Lexis Nexis will auto-populate the result of the Driver’s License detail based on identification validation. If auto-populated information is incorrect (such as DL issued state), reach out to Navigator Support to have the file unlocked for adjustment. The proposed insured and owner must have a valid SSN.

Tip: To get support assistance faster, provide a photo of the client’s valid state ID with your support request.

Multiple Policy Households / “Duplicate Data” Option:

To easily copy data to a new application from a previous submission, at the start of the application, select “Yes” to “Copy Data from a Previous Case?”

Select which sections of the existing case to pre-fill in the new application and select “Confirm.”

If the case is referred, what are the agent’s next steps?:

Agent should allow 48 hours for F&G underwriting to review the case Status in Navigator is limited to Pending Underwriting or Received a Decision. Check SalesLink for underwriting updates or requirements.

Updating Illustrations after RUW OTAF Approval:

Tip: There’s little difference in performance between Standard and Preferred rate illustrations. It is recommended to quote at a Standard rate class for most cases. Your client will always receive the best rate possible through the digital underwriting process.

Save 3 days* by avoiding the refer to underwriting process. *Based on average RUW timelines for Quantum product.

If a client was Referred to Underwriting and received an Other Than Applied For UW decision, it is the agent’s responsibility to run the updated illustration within their Navigator Account. Under “Quote/Apply”, find the case and select “Resume”

Update health rating in the Health Class dropdown (if table rated, a secondary drop-down will appear). Click “Make Adjustments” to change premium/face illustration values. You don't submit the new illustration in Navigator, you can just view or download the updated illustration to send with the issue instruction to F&G email at lifecasemgmt@fglife.com.