Why sell it
Traditional term kills deals with waiting. The client agrees to buy, then the file sits in underwriting while their motivation dies. On InstaBrain the decision comes in minutes, while the client is still on the line. The Brain underwrites in real time on 10,000+ data points. No medical exam. No pending file. No case management. You close in one sitting.
The economics follow the speed. Commissions are paid by the carrier on a daily cycle, Monday through Friday. Annualization is available. Write a policy today and you are not waiting on a monthly statement to see the result of your work.
Term is the flagship of the five instant products for healthy clients. It delivers the most coverage per dollar, with chronic illness and terminal illness living benefits included at no extra premium. And InstaBrain never sells direct to consumers. There is no house funnel. Your client stays your client.
Who it fits
Term life with living benefits fits your healthiest clients: the ones who want real coverage and want the most for their premium dollar. If a client can qualify for term, this is usually the first product to quote, because coverage per dollar is strongest here. Policies are issued by licensed, rated carriers, including Fidelity Life, and sold by licensed professionals. If the client turns out not to fit term, you do not lose the sale. The platform can pivot them in-session to a better-fitting product, like guaranteed issue or final expense.
How it works on InstaBrain
The whole sale runs on one screen. You quote, the client applies, and The Brain underwrites in real time on 10,000+ data points. Quote to decision is 100% digital, and the answer arrives in minutes. No medical exam, no paper, no follow-up chase. If you are not in the room with the client, KickIt gives you real-time client collaboration so you can walk them through it remotely.
If term is not the fit, the platform pivots the client to a better-fitting product in the same session. Getting started is free, contracting is digital and simplified, and the dedicated sales and recruiting portal gets you moving in three steps. Agencies get custom hierarchy and commission configuration, cobranded websites, and a secure API and SDK.
Straight answers
- How fast do I get paid on a term life sale?
- Commissions are paid by the carrier on a daily cycle, Monday through Friday. Annualization is available. You are not waiting on a monthly statement.
- How long does a term life decision take?
- Minutes. The Brain underwrites in real time on 10,000+ data points, and quote to decision is 100% digital. There is no medical exam on this or any of the five products.
- Who is the right client for term life with living benefits?
- Healthy clients who want the most coverage per dollar. It is the flagship product, with chronic illness and terminal illness living benefits included at no extra premium. If a client does not fit, the platform can pivot them in-session to guaranteed issue, final expense, or accidental death benefit.
- Is term life with living benefits hard to sell?
- It is the easiest version of a term sale you will run. No medical exam to schedule, no case management, no pending file. The client hears yes in minutes, while they are still on the line, so the close happens in one sitting.