STEP 5 OF 10
Step 5: Know Your Best Product
Finding the best product is about truly understanding your client's unique needs and goals. Combine your expertise with empathy to offer tailored recommendations that make a lasting impact.
Virtual Mentor
Virtual Mentor helps you find best-fit products, generate real-time quotes, and access carrier quoting tools, applications, and agent guides on the go.
Join
Visit Virtual Mentor from the nine squares in HQ.Quility.com.
Select
Under "Select User," choose "Sales Agent" then select your upline AO.
Access
You'll be notified by email once your AO approves your request.
Product & Carrier Tools
HQ Carriers & Products
Full database of product guides, quoting tools, and e-app platforms.
Open on HQ →Health Question Scripts
Use these scripts when a health condition comes up during fact-finding. Gather precise details to find the right carrier and product.
Smoker / Tobacco / Nicotine
- Do you smoke cigarettes or cigars? How often?
- Are you planning on quitting?
- If quit: When was your last cigarette/tobacco/nicotine use?
Heart Attack
- How many years ago was your heart attack?
- Do you remember the exact month and year?
- What medications are you taking to control that?
High Blood Pressure
- What medications are you currently being prescribed?
- Any issues with heart attack, angina, or chest pains?
Diabetes
- When were you diagnosed?
- Are you taking Insulin or just oral medication like Metformin?
- Do you remember your last A1C or blood sugar reading?
- Have you been diagnosed with Neuropathy?
Cancer
- Type of cancer? When were you diagnosed?
- Any chemo or radiation? When was your last treatment?
- Do you know what stage it was? (PSA level if prostate)
Stroke
- How many years ago was your stroke?
- What medications are you being prescribed now?
🤝 Consult Your Mentor
Before your first 10 applications, always run your cases by your mentor. They can help you navigate carrier options correctly and ensure you're making the best recommendation for the client. This habit will save you time, frustration, and unnecessary rewrites.