A new easy online application with an improved underwriting process means faster completion and more lab-free approvals.
A faster, better experience made for the next generation of customers
At LGA, it’s been our goal to simplify the life insurance process and make it easier to protect more families. While the landscape of life insurance and the technology continue to evolve, our business will always be about the people behind the thinking.
When you drop a ticket to our digital application and automated underwriting platform, eligible customers may be approved without the need for exams. Underwriting evidence is collected digitally, in real-time during the application process.
Improved Client Experience
- Online, mobile-friendly application
- Streamlined application questions reduce time and effort
- Clients can schedule a phone interview if they need help
Faster Decisions
- Reduces the need for exams/labs for eligible customers
- Approvals or the need for medical evidence determined in real-time during the application process
Better Case Management
- Case status feeds and document download
- Reduced cycle time
- In-good-order applications
A better way to do business
Our digital application platform offers shorter application times, instant decisions, reduced cycle times and great flexibility for you and your clients. Learn more about how we’re simplifying life, so you can protect more families.
Download digital application platform overview guide
Here's 10 reasons why you and your clients will love our platform
Agent Guide: Dropping a ticket on Partner Dashboard
Our digital experience gives every new applicant the possibility to get the life insurance they need easier and faster — without exams for eligible customers. We'll stay in touch with your customers throughout the application process with reminder emails or texts. Use this flyer with your clients to help them prepare for their online journey or telephone interview.
How the digital application works
Coverage for clients in 5 steps
- Drop a ticket using our Partner Dashboard, iPipeline or other vendor platform
- Client is emailed and/or texted an online application link (phone option is available)
- Reflexive application questions integrated with data collection for faster decisions
- The application is signed electronically and an exam will be scheduled if needed
- If eligible, the policy will be approved and issued exam-free
Eligibility Criteria
Digital app process is for:
- All Issue Ages
- All Coverage Amounts
- All states except New York
- Proposed Insured is Owner and Payor
- At this time no: Waiver of Premium, multiple policies or business coverage
Release Announcements
We're making rapid enhancements to our digital application and new business platform and we'll continue to provide new capabilities and support for the many ways you choose to do business with us.
November 11: Expanded Coverage Amounts
September 24: Expanded Ages, TIAA Available and More
August 3: New Scheduling Capabilities, FL Approval and More
July 8: Preferences, Doc Access, Eligibility and More
June 30: Preferences, Doc Access, Eligibility and More
Training Resources
Use and share these materials to get started. For more information and access to our training presentation, please contact a member of our sales team for assistance.
Frequently Asked Questions
iPipeline does not require an email address, what can the agent do?
The email address is a requirement to send the link. Please encourage the agents to get the client’s email address and add it to the drop ticket.
What type of communications will be sent?
The applicant will receive:
- Initial email
- Email reminders will be sent on the 2nd, 4th, 7th, and 15th day if the application has not been completed
- Thank you for your application email
- Response to memo email (if needed)
- Edited application email (if needed)
- Decision email
The BMGA1 will be blind copied on the following applicant emails:
- Initial email
- Day 15 reminder email
- Response to memo (if any)
- Decision email
Can the link be resent to the applicant?
The access to resend a link is available to anyone who can view the policy on the Partner Dashboard. Click into the policy and the option to resend the link is on the right-hand side.
How long is the digital application link active?
The link is active for 30 days.
How can the agent tell the difference between a digital application and an AppAssist application?
We are working on different indicators/status for digital applications; the easiest way to differentiate is by the policy number: Digital application – ‘500000xxxx’ AppAssist – ‘181xxxxxx’.
We want to hear from you!
Please take a minute to tell us about your experience using our new digital application platform.