Regular policy reviews help surface cross-sell opportunities, improve retention, and ensure members have the right coverage. Use this guide to navigate the Policy Info area, interpret key fields, and translate insights into action.

Quick Navigation

  1. Accessing Policy Information
  2. Understanding Policy Status
  3. Viewing Detailed Policy Information
  4. Best Practices During a Review
  5. Returning to the Member Profile

1) Accessing Policy Information

  1. From the member’s Contact Details page, click the black-bar tab Policy Info. 

  2. Understanding Policy Status

    • Active: In force and premium-paying.
    • Inactive: Lapsed/canceled. Review prior coverage and consider a targeted resale conversation.
    • No‑Cost Benefit: Discontinued promotional accident/hospitalization coverage. Great entry point to discuss paid protection options.

Tip: Click a blue Policy Number to open a new tab-like view for deeper details (beneficiaries, payment, riders).

2) Review fields (left → right):

  • Active Policies
  • Policy Type & Carrier
  • Policy Number (clickable link)
  • Face Amount
  • Benefits
  • Weekly Premium
  • Status (Active, Inactive, No‑Cost Benefit)
  • Sale Date
  • Insured’s Name

3) Viewing Detailed Policy Information

Beneficiary Tab

  • Shows all beneficiaries and their percentage allocations.
  • Use relationships to guide questions and uncover needs (e.g., “Who is Ricky to you?”) for family coverage opportunities.

Payment Tab

  • View payment dates/history; identify issues to address retention concerns.
  • When adding new coverage, align billing dates with existing schedules to reduce friction.

Riders Tab

  • Confirm current riders and whether they still fit the member’s needs.
Important: Agents cannot change beneficiaries directly. Submit a Change of Beneficiary activity and include P.E.M.: Policy Number, Email, and Mailing Address.

4) Best Practices During a Review

  • Verify Member Data: DOB, SSN, email, phone, mailing address, credit union, employer, occupation.
  • Spot Opportunity Signals: Inactive or no‑cost benefit history often indicates easy re‑entry points.
  • Leverage Family Details: Beneficiary listings reveal household gaps and prospecting paths.
  • Align Payments: Match new policy billing to proven dates to improve persistency.
  • Document Thoroughly: Capture findings/recommendations in Activity Notes (use templates where helpful).

5) Returning to the Member Profile

  • Close the open policy tab using the “x” (works like a browser tab) to return to the profile.
  • You can open multiple policies, then close each as you finish the review.

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