SBLI EasyTrak FAQs – HQ Support

SBLI Contact Info:

Sales, Marketing, or the Agent Sales Portal:	Email: quility@sbli.com or Call: 855.642.0023
Post-Issue EasyTrak Policy Service:	customerservice@sbli.com or call 888.224.7254, Option 3
Agent Paid Policy and Commission:	www.sbliagent.com, Email: sblicommissions@sbli.com or Call 888.224.7254, Option 5

Common Questions:

Question:	Answer:
What is required to write an SBLI EasyTrak Digital Term policy?	You are required to be contracted via SureLC and appointed to the states in which you are writing an application. Please see the below FAQs for additional information.
I was just contracted. When can I start writing?	To begin the process, you must sign the SBLI contract in SureLC. Once completed, we will review your paperwork and forward it to SBLI. Please note that agents cannot begin writing until contracting is complete and an agent code has been issued. Once you receive confirmation of your appointment with SBLI, you will gain access to the SBLI EasyTrak Digital Term e-application on the Navigator platform.
How do I access the SBLI EasyTrak Digital Term product?	You will access the new product exclusively on Navigator. You can access Navigator directly through HQ. There is no longer the need for the individual agent links, the product is quotable on Navigator and once you are appointed with SBLI you can submit e-applications by clicking “Apply” in Navigator
How can I split commissions with my upline/downline?	On the Agent Information page of the e-application, you will be able to add up to two additional agents. The split must be in full percentage points equaling 100%. You will need to know the split agent’s SBLI agent writing code with SBLI. The split agent will need to be licensed and appointed in the selling state
There is a mistake in my client’s application. How do I edit this?	Prior to submitting the application to Underwriting, you have the ability to review and edit the application and make edits. Once an offer has been extended, information cannot be edited. If there is an error on the application, please contact SBLI at nav.support@quility.com or chat the helpdesk on Navigator. Please note, if inaccurate information is provided for the client’s name, Date of Birth, or Social Security number, the client may be requested to cancel their original submission/policy and redo the process. If the error is a change of beneficiary, change in address or a change in payment method, please contact SBLI once the policy is active at 1-800-694-7254. Clients may also make the change themselves via the self-service portal, my.sbli.com.
Can a link be resent if they cannot find it when ready to sign?	Yes. Within the e-application you will have multiple opportunities to resend the signature links. The first being on the HIPAA page and then again on the application status page. If your client provides an incorrect email address or phone number, you can update it on the same pages.
How do I resume an application?	In Navigator you can access any case by selecting the “Cases” tab on the side menu. From there, find the particular case you want to resume and view the case. On the case details page, if the case is resumable, you will see the “Open eApp” button in the upper right corner. Select that button to resume the case. If a case is not able to be resumed, you will not see the “Open eApp” button on the case details page.

Technical Questions:

I cannot proceed past the agent info screen when completing the application. Why?

If you are unable to move past the agent info screen, it is likely because:

You attempted to write business in a pre-appointment state where you are not appointed.
A split agent you added is not licensed or appointed in the applied-for-state. If the split agent is not yet appointed, it will block you from moving past the agent validation screen.

Please note, SBLI processes appointments on a Just-In-Time (JIT) basis in most states; however pre-appointment states (PA, IN, OR, UT) require agents to be appointed before submitting.

To request pre-appointments in additional states, please email quilityagentservices@sbli.com. Activation may take up to 48 business hours.

How do I sign the HIPAA documents or final application?

To e-sign the application:

You will receive an email and/or text message to access the signature experience.
Select the link within the email or text, the signature experience will open in a new browser tab.
The client will need to login to the signature experience with their zip code and last four digits of their social security number.
The full HIPAA documents or application (based on signing step) will be viewable. This may take a few seconds.
The client will first need to scroll through the entire application (to the bottom of the PDF) form. This is NOT the screen scroll; this is scrolling through the actual PDF.
Once this is complete, they will be able to click the sign button below the PDF window.
If at the final signature step, the status page will display on their screen after signing and the policy will be delivered via email within minutes.

Policy Questions:

Can my client pay their premium with a credit card?	No, this e-application does not support credit card payments. Your client will need a valid bank account.
Is “Monthly” the only payment mode available?	There are four payment modes: monthly, quarterly, semi-annual and annual.
How do I service an in-force policy?	To service a policy that is currently in force, you or the client would need to contact SBLI directly. Advise the client to use the my.SBLI.com portal or call SBLI customer service at 1-800-694-7254, M-F, 8 am-5 pm EST.
How do I increase the face amount once it has been issued?	You cannot increase the face amount of an issued policy; you must write your client additional coverage.
Is their advance commission available?	Yes! Commissions are paid on an annualized basis as a 75% advance, daily (business days only) via Electronic Funds Transfer (EFT) on settled business to each agent’s bank account. Advance commission is the default option, though as earned commission may be requested.
When will I see commissions for this policy?	To see full information on commissions, please review the SBLI EasyTrak Digital Term Agent Guide.

Underwriting Questions:

How does an instant decision product work? Is there really no medical exam?	There truly is no exam. We use automated engines to review the build, MIB reports, medications, motor vehicle records and other information to assist in the automatic underwriting decision.
Is there a way to do risk assessments before submitting an application?	Yes. There is a pre-screening process to review the prospective client’s eligibility for the SBLI EasyTrak Digital Term product. If the client has a knock-out condition, then you will be notified that based on the answers to the pre-underwriting questions, the client is not eligible for this product.
Are quotes based on attained age or age nearest?	Premiums for this product are based on the age nearest. (Rounding to nearest age)
Are permanent residents eligible for this product?	Yes.
Which states is SBLI EasyTrak Digital Term available?	49 and DC. SBLI EasyTrak Digital Term is not available in NY.
Is chewing tobacco considered nicotine?	Yes.
Is vaping considered nicotine?	Yes.

Product Questions:

What riders are available?	These include a set of automatic riders/services at no additional cost - charitable giving , accelerated death benefit rider, unemployment waiver of premium, LegacyShield and optional riders including accidental death , disability waiver of premium , and the child and grandchild rider. Full rider details are provided in the SBLI EasyTrak Digital Term Agent Guide.
My client was given an MIB hold. What does that mean? Does this decision get reported to MIB?	If your client completes underwriting questions and submits consent to be underwritten, a request for information is sent to MIB. If there is a match that is significant enough, then no decision is made, and the process is stopped. MIB is reporting back to Techficient a specific code(s) that is preventing rendering a decision from a previous application or policy. You can work with your client to clear up their MIB report and then work with SBLI to review and dispute their decision not to underwrite.
How do I dispute an MIB hold?	SBLI cannot reconsider an application unless the MIB report contains incorrect information that has been corrected with MIB. If you believe the report is inaccurate and wish to pursue a correction, please follow the instructions below. Your client can follow the instructions on the Notice to Applicant letter to obtain information in the MIB file. This process can take a few weeks. Complete the required MIB request form. Email the completed Request for Disclosure to infoline@mib.com. Once the client has a copy of their MIB Consumer File Disclosure which they believe to be inaccurate, they should follow the instructions on that document. Supporting documentation is required to resolve any dispute. A Request for Reinvestigation form is available from MIB. This process can take up to 45 days. Learn more at www.mib.com. Your client can also request the MIB files online at https://www.mib.com/request_your_record.html
Will the MIB report show a decline for my client?	On an MIB report, it does not state the decision of an application. However, there are certain details of the application that will be disclosed to the MIB. So, if a client indicates a certain health condition, we are required to send that code to MIB which will disclose the medical/risk information in the MIB report. We do not state whether they have been declined or no.
Is there a mobile quoting tool?	Your e-app link and agent platform will work from your mobile phone.
How does the e-policy delivery process work?	After the agent and client have completed the signature process, the client will receive an email from SBLI to register on my.sbli.com. Once registered, the client has the ability to view and download their policy package. The agent will have access to the policy within the sbliagent.com portal.
Will the agent get a copy of the policy?	Agents can download a copy of their client’s policies from the SBLI agent portal at sbliagent.com. The policy is not delivered to your e-app link. Once the client completes delivery, the policy number, premium, and other details will be available in the SBLI Agent Portal.
Is there an option for a paper copy of the policy?	Clients can print the policy from their self- service portal, or agents can print it via the SBLI Agent Portal.