You are NOT able to use client's credit cards or debit cards in Navigator, as the digital products require banking information to verify client details. A valid bank account matching the client's name on the application is the only way to be approved in Navigator.
You can then contact the carrier to inquire whether any changes are possible once the policy is active. (Carrier contacts listed in this article- Policy Post-Issued Changes in Navigator) Additionally, you can check the corresponding Agent Portal below to see if the payment information can be updated on their side.
AmAm Agent Portal- https://www.americanamicable.com/v4/AgentLogin.php
Banner Life Agent Portal- https://login.bannerlife.com/login
F&G Agent Portal- https://saleslink.fglife.com/login/portallogin
SBLI Agent Portal- https://www.sbliagent.com/agentauth/login.aspx?ReturnUrl=%2fagent%2f
UHL Agent Portal- https://login.agentportal.unitedhomelife.com/
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