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 must enter the client's banking information before receiving a decision from the carrier. The policy does not go into place until the client signs, accepts, and pays. So there is no way to send them the policy until they pay and it is in force. This is needed to validate the client's information for the digital products.
If you have specific underwriting questions, start by checking the product resources for Navigator using the Navigator HQ page or the Carriers HQ page. For more complex questions, you can reach out to the underwriting team with the needed carrier below:
AmAm QSFP Underwriting Support- Email: underwriting@aatx.com
Banner Life BeyondTerm Underwriting Support- Email: Bannerbeyond@bannerlife.com or Call: 833-706-2317
F&G Quantum Underwriting Support- Email: riskassessment@fglife.com
SBLI EasyTrak Underwriting Support- Email: Navigator Support or use Chat
UHL QSFC Underwriting Support- Email: Life.ContactCenter@unitedhomelife.com
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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