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.
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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