Setting customer expectations and providing an accurate health class is critical at the onset of a life insurance sale. One out of 10 life insurance applications are not placed simply because of unmet expectations. XRAE is a field underwriting tool that immediately returns a health class rating or range based on published and unpublished carrier underwriting rules. XRAE maintains the confidentiality of the each carrier’s rules and ensures the consistent, accurate application of those rules to each case, while enabling agents to set realistic customer expectations on-demand. Agents sell more, and carriers and distributors increase placement ratios.

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