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AI that works the call with you.
It listens to the call, writes up the lead, ranks the carrier to write and fills in the sale. You stay on the conversation.
- Carrier Waterfall™ plans ranked by underwriting and your commission
- Lead details written from what the caller said
- Rebuttals from your own playbook
- Sale form and detection so no policy goes unrecorded
- 1Americo Eagle Premier · LevelPays you most
Likely qualifies · no insulin, no recent hospital - 2Mutual of Omaha Living Promise · Level2nd
Likely qualifies · check A1C question - 3Corebridge Guaranteed Issue3rd
Fallback · no health questions
Ranked by underwriting and by your commission on each plan.
Carrier Waterfall™
Underwriting built in. Nothing to set up.
It reads the transcript, the notes and the lead against your carriers, your commissions and the underwriting rules, then ranks the plans to pitch. The carrier catalog and the underwriting knowledge base are already there; add your own whenever you want.
On the call
You talk. It writes.
Extract lead details
The lead fills itself in.
Gather the customer’s details and health history in conversation, then click once. Name, age, state, conditions, medications and the coverage they want are written into the lead and the notes from what they said.
Lead details Extracted
- Name
- Dolores M.
- Age · State
- 68 · FL
- Health
- Type 2 diabetes, BP controlled
- Medications
- Metformin, lisinopril
- Coverage
- $15,000 final expense
Rebuttal
The answer to the objection in front of you.
From your agency’s playbook, phrased for the caller you have, while they’re still on the line.
Rebuttal
“That makes sense, it’s a real decision. Can I ask what you’d want to think over: the monthly amount, or whether you need it at all? If it’s the amount, let’s find the number that sits right with you today.”
Sale form and sale detection
No policy goes unrecorded.
Click Sold and the form fills itself from the call: carrier, plan, premium, face amount, dates and policy number. Forget to click, and sale detection finds the sale in the transcript and asks you to confirm it.
Sale Sale detected
- Carrier
- Americo
- Plan
- Eagle Premier
- Face
- $15,000
- Premium
- $71.40/mo
- Draft
- 3rd Wednesday
Copilot
Ask it anything about the call, or the floor.
Which carrier for this caller, what to say next, who wrote the most this week. Try a question.
Choose a question
Carrier Waterfall™
- Mutual of Omaha Living Promise · GradedInsulin allowed after age 50
- Americo Eagle Premier · LevelCheck insulin units question
- Corebridge Guaranteed IssueFallback
Rebuttal
“That makes sense, it’s a real decision. Can I ask what you’d want to think over: the monthly amount, or whether you need it at all? If it’s the amount, let’s find the number that sits right with you today.”
Sales board
- Marcus$18,940
- Tanya$15,210
- Andre$10,480
Off the call
Three more jobs it takes off your hands.
Cash value
The estimate, and how it got there.
When a caller talks about a whole life policy they already have, the copilot picks out the policy type, the monthly premium and how long they’ve held it, then estimates the cash value with your office’s formula and shows the arithmetic, so you can check it and explain it.
- Policy type, premium and years, taken from the call
- Every step of the working shown
- Never guesses: what wasn’t said becomes a question to ask
Cash valueSample data
“It’s a whole life policy. I’ve had it about six years, and I pay eighty a month.”
- $80 a month × 12$960 a year
- Years building cash value: 6 − 24 years
- $960 × 4 × 30% to cash value$1,152
- Estimated cash value≈ $1,152
An estimate for the conversation. The real number is on the carrier’s annual statement.
AI script import
Any script, made walkable.
Drop in a Word document or a PDF, or paste the text. AI turns it into a branching Script Walker™ script, and flags the places it wasn’t sure about so you can check them before anyone uses it.
- Word, PDF or pasted text
- Branches built from your questions
- Warnings where it wasn’t sure
1 step to check: “Budget” had two versions in the document.
AI spreadsheet import
Your book, whatever the columns.
Bring your book of business in from any spreadsheet. AI reads your column names and matches them to ours, so “Mo Prem” lands in monthly premium and “Pol #” in policy number.
Migrating from another systembook-of-business.xlsx Columns detected
- Insured NameClient name
- Carrier/ProductCarrier · Plan
- Mo PremMonthly premium
- Pol #Policy number
Questions
Does the AI pick the carrier for me?
No. The Carrier Waterfall™ ranks the plans and says why; you decide what to pitch.
Where do the underwriting rules come from?
NextGen keeps a carrier catalog and an underwriting knowledge base. Your agency adds its carriers, plans and commission levels, and each agent can add their own carriers and notes.
Which products does the Carrier Waterfall™ rank?
Final-expense and other life plans.
Do I have to type up the call?
No. Extract lead details writes the customer’s details and health conditions into the lead and the notes from what they said.
Watch it rank a real caller.
Twenty minutes on the real desk. Or pick a plan and start a trial on your own.