STEP 8 OF 10
Step 8: Writing the Application
Submitting applications accurately is essential for smooth processing with carriers. Ensure all forms are complete, client information is accurate, and required documents are included. A thorough application minimizes delays and reduces errors.
Finding E-Apps on HQ
How to Write an Application
Access Carrier E-Apps
Log in to HQ.Quility.com, navigate to Carriers and Products, then select E-Apps. Choose the carrier and product that fits your client's needs.
Gather Client Information
Full legal name, date of birth, SSN, beneficiary details, health history, and payment information. Accuracy at this stage prevents delays at issue.
Complete & Review
Double-check all information for accuracy before submission. Taking a few extra moments to review ensures a smoother process for you and your client.
Disposition in OPT
Log into OPT → My Leads tab → select the person → click Status column → choose "Application Taken". This links the app to the lead so it's not resold.
Add a Second Application
Need to add a spouse or child? On the My Clients page, right-click the lead and select "New Application".
Application Essentials
- ✅ Full legal name (no nicknames)
- ✅ Date of birth — incorrect DOB = rate change at issue
- ✅ Social Security Number
- ✅ Beneficiary full name, relationship, and DOB
- ✅ Health questions answered completely and accurately
- ✅ Correct coverage amount and product
- ✅ Payment information (bank draft preferred)
- ✅ Client signature(s) and date
💡 Pro Tips
- 🖥 Use electronic applications (e-apps) whenever possible for faster processing
- 🎯 Enter your carrier ID in OPT now so you don't have to do it manually later
- 📋 Keep a checklist handy to ensure all required documents are submitted
- 📌 Submit ALL applications, including those written on yourself or family members, to ensure accurate leaderboard tracking
Access Carrier E-Apps on HQ