eApp Users Guide - United American Sheets...Help – This option is used to access the eApp Help system. About – This option is used to view version information of eApp. Technical

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Liberty National Laptop On Demand

eApp Users Guide

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Table of Contents

Welcome……………………………………………………………………………………………………………………1

General Information…………………………………………………………………………………………………………3

Startup Screen………………………………………………………………………………………………………………3

Logon/Log Off…………………………………………………………………………………………………………………3

Logon…………………………………………………………………………………………………………………………3

Log Off…………………………………………………………………………………………………………………………3

Main Menu…………………………………………………………………………………………………………………4

Change Password……………………………………………………………………………………………………………5

Printer Setup…………………………………………………………………………………………………………………5

Presentation……………………………………………………………………………………………………………7

Overview……………………………………………………………………………………………………………………7

Introductory Offer and Sponsorships…………………………………………………………………………………………8

No-Cost Benefits……………………………………………………………………………………………………………8

Sponsorships………………………………………………………………………………………………………………8

Need Analysis Survey………………………………………………………………………………………………………9

Decline Information…………………………………………………………………………………………………………9

Proposal……………………………………………………………………………………………………………………10

Offer……………………………………………………………………………………………………………………11

Application Package Wizard………………………………………………………………………………………………13

Application Package Wizard Overview………………………………………………………………………………13

New Application Package…………………………………………………………………………………………………13

Existing Application Package………………………………………………………………………………………………14

Delete Application Package…………………………………………………………………………………………………15

Stop Current Sale……………………………………………………………………………………………………………15

Application Package Transfer………………………………………………………………………………………………16

Drag and Drop……………………………………………………………………………………………………………16

Unlock all Forms in an Application Package………………………………………………………………………………16

Add Forms…………………………………………………………………………………………………………………16

Agent Workspace……………………………………………………………………………………………………………17

Access Workspace…………………………………………………………………………………………………………17

Create User Profile…………………………………………………………………………………………………………17

Wizard Screens………………………………………………………………………………………………………………18

Existing/Delete Application Package………………………………………………………………………………………18

Agent Information…………………………………………………………………………………………………………18

Forms Selection……………………………………………………………………………………………………………18

Unlock Form………………………………………………………………………………………………………………19

Signatures………………………………………………………………………………………………………………19

Application Package Action………………………………………………………………………………………………20

Optional Information………………………………………………………………………………………………………20

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Summary Sheet……………………………………………………………………………………………………………21

Specimen…………………………………………………………………………………………………………………22

Final Remarks………………………………………………………………………………………………………………22

Agent Recruiting……………………………………………………………………………………………………………23

Check List……………………………………………………………………………………………………………………23

Packaging Application for Transmission……………………………………………………………………………………23

Sponsors……………………………………………………………………………………………………………………25

Add a Sponsor Manually ………………………………………………………………………………………………………………25

View Sponsors………………………………………………………………………………………………………………25

Add Resolve Code…………………………………………………………………………………………………………25

Print Sponsors………………………………………………………………………………………………………………25

Delete Sponsors……………………………………………………………………………………………………………26

Recruiting……………………………………………………………………………………………………………………27

Add Recruiting Referrals Manually………………………………………………………………………………………27

Videos………………………………………………………………………………………………………………………29

Tools…………………………………………………………………………………………………………………………31

Options ……………………………………………………………………………………………………………………………31

Backup Manager……………………………………………………………………………………………………………31

Create Backup………………………………………………………………………………………………………………31

Delete Backup………………………………………………………………………………………………………………32

Restore Backup……………………………………………………………………………………………………………32

Master Forms List…………………………………………………………………………………………………………32

Help…………………………………………………………………………………………………………………………………33

Technical Assistance………………………………………………………………………………………………………33

Remote Assistance…………………………………………………………………………………………………………33

Hints & Tips…………………………………………………………………………………………………………………35

Using the Form Screens Window…………………………………………………………………………………………35

Options …………………………………………………………………………………………………………………………………35

Filling out a Form……………………………………………………………………………………………………………35

Drag and Drop………………………………………………………………………………………………………………35

Sign an Application…………………………………………………………………………………………………………35

Form Screen Window/Presentation Icons…………………………………………………………………………………36

HotKeys ………………………………………………………………………………………………………………………………37

eApp Frequently Asked Questions…………………………………………………………………………………………39

What is eApp?………………………………………………………………………………………………………………39

What hardware is required to run eApp?……………………………………………………………………………………39

Why should I use eApp?……………………………………………………………………………………………………40

When can I start using eApp?……………………………………………………………………………………………40

How do I get the eApp software?……………………………………………………………………………………………41

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Will eApp cause an increase in agent training time?…………………………………………………………………………41

Can I take all my applications in eApp?………………………………………………………………………………………41

How long does it take to take an application with eApp?……………………………………………………………………41

What do I do if eApp or my laptop has technical difficulties?…………………………………………………………………41

Is eApp usage mandatory?………………………………………………………………………………………………41

If we are transmitting the application electronically to home office, what do we do with the money we collected?…………41

In our state, agents must leave copies of certain documents with the customer, how does eApp handle those situations?…41

Super Combo Application Specifics…………………………………………………………………………………………42

Auto Complete ………………………………………………………………………………………………………………42

What hardware is required to run eApp?……………………………………………………………………………………44

Purchasing Suggestion:………………………………………………………………………………………………………44

Operating Requirements:……………………………………………………………………………………………………44

Daylight Saving Time………………………………………………………………………………………………………45

Scheduled Tasks……………………………………………………………………………………………………………45

Windows XP………………………………………………………………………………………………………………45

Windows VISTA………………………………………………………………………………………………………………45

Online Download Issues……………………………………………………………………………………………………46

DPI Scaling…………………………………………………………………………………………………………………48

Index……………………………………………………………………………………………………………………51

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WelcomeWelcome to the eApp Help system. This application will assist Agents to submit applications to the home office and also assists them in determining what coverage a customer may need using the new presentations. These presentations have been added to eApp along with a survey and offer that will pre-populate a Super Combo or Senior 10 application. This will ensure that the potential customer receives the best coverage possible for their situation and needs. By using the new eApp, applications will be received and processed in a timelier manner. Also, the Agent runs less risk of having to visit the customer again to sign additional forms.

Notes:• Agents only will use eApp to submit new business.

• Agents will not be able to add forms to an existing active policy.

• There will be variations by state on the Super Combo eApp.

• AIL Agent Resource Center: http://www.ailife.com/arc/hd_eapp.aspx

• AIL Laptop on Demand: http://aillaptopondemand.com/Login.aspx

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General InformationStartup Screen

Log in to eApp Update Software(Online) when you are connected to the Internet. This will enable you to update your eApp software and transmit applications to your assigned SGA or Home Office (HO). All transmittals must arrive by noon CST. You must logon online at least every 5 days. It is recommended to logon online once a day for transmittals and to synch up with HO. This will ensure that you have all of the latest information for eApp. The startup screen will notify the Agent of the last update.

Log in to eApp Transmit Application when you are connected to the Internet. This will enable you to transmit your applications to Home Office (HO) without updating the eApp software. It is recommended to transmit your applications daily to HO.

Log in to eApp Sales when you are not connected to the Internet. You would use eApp in this mode when you are with a customer.

The Startup Screen will also display how long it has been since the last update to the application. You must logon online at least every 5 days.

Note: If your process stops, press ESC on your keyboard to close the Startup screen.

Logon/Log OffThis describes the eApp Logon and Log Off process in detail.

Logon

To logon to eApp if you have a valid Agent number:

1. Click the eApp icon from your desktop.

2. If you are connected to the internet click Update Software(Online) or Transmit Application.

3. If you are at a customer site click Sales.

4. From the eApp Logon screen:

1. Enter your User Name.

2. Enter your Password.

5. Click OK.

6. Determine if you would like to view the Start Presentation or go directly to an Existing Application.

To logon to eApp in Training Mode:

7. Click the eApp icon from your desktop.

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8. If you are connected to the internet click Update Software(Online).

9. From the eApp Logon screen:

10. Select any Agency from the drop-down list.

11. Enter EAPPTRAINING for the User Name.

12. Enter TRAINING for the Password.

13. Click OK.

14. Determine if you would like to view the Start Presentation or go directly to an Existing Application.

Log OffTo log off eApp, select File Log Off from the main menu.

Main Menu

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This describes the eApp Main Menu in detail.

The following options will be available from the main menu:

• File

� Presentation and Survey - Super Combo - This option is used to access the Presentation and Survey for the Super Combo and Senior 10 applications.

� Open Application Package Wizard – This option is used to access the Application Package Wizard for updating an Existing Application or Deleting an application.

� Printer Setup - This option is used to setup your printer for printing applications from the Application Package Wizard and the Master Form List.

� Log Off – This option is used to Log off eApp.

� Exit – This option is used to Exit eApp.

• Referrals

� Sponsors

-Add - This option is used to add sponsor for a no-cost benefit.

-View - This option is used to view sponsors entered before transmission.

� Recruiting - This option is used to show the recruiting opportunity video and complete the recruiting referral form.

• Videos - The videos are only available once you get to the Offer.

� A71000 Accident Protection

� Cancer Protection

� Critical Illness Protection

� Final Expense Protection

� Final Expense Inflation

� H34000 Hospital Indemnity

� Head Start Protection

� Monthly Income Protection

� Mortgage Protection

� Mortgage Accident

• Tools

� Backup Manager - This option is used to create, delete, and restore backups.

� Options - This option is used to enter where you would like your backups to reside, your default location settings, how to display help functions, and presentation settings. Your default location settings will be displayed on the Summary.

�

� Master Form List - This option is used to list all form by state.Help

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� Help – This option is used to access the eApp Help system.

� About – This option is used to view version information of eApp.

� Technical Assistance – This option is used to obtain information on how to contact American Income Life (AIL) for technical assistance.

� Remote Assistance – This option is used to connect remotely for assistance.

� Underwriting Field Manual - This option brings up the Underwriting Field Manual in a PDF file.

� Height/Weight Chart - This option brings up the Height/Weight Chart in a PDF file.

Change Password

From time to time you should change your eApp password.

To change your eApp password:

1. Enter your Username and Password from the eApp Logon screen.

2. Click Change Password from the eApp Logon screen.

3. This will bring up the Agent Workspace window. You will automatically be logged in from your eApp Logon.

4. From the User Manager screen select the appropriate user from the Users box.

5. Enter the new password. Your password must be at least 8 characters.

6. Click Save.

Once you have changed your password from Agent Workspace, exit out of your current eApp session, and log back on Update Software(Online) to eApp. Be sure to enter your user name and NEW password when logging back on to eApp.

Printer SetupPrinter setup is accessible from File on the main menu. This option is used to setup your printer for printing applications from the Application Package Wizard and the Master Form List.

To setup your eApp printer:

1. Select File Printer Setup from the main menu.

2. This will bring up the Print window. Select your default printer for eApp and click OK.

Note: It is recommended to print at 600 DPI.

Presentation

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Overview

Presentations were developed to assist the Agent in providing the correct coverage for an applicant.

The presentations will cover the following information:

•IntroductiontoAIL

•IntroductoryOffer(no-costbenefits)

•Surveytohelpdetermineneedsbasedpresentationtailoredtotheapplicant.Thesurveywillcaptureapplicantinformation that will be used later to create the proposal.

To access the presentation:

1. Click Start Presentation from the menu screen. You can also select File Presentation and Survey - Super Combo from the main menu.

2. Enter a Description of the application.

3. Select the Agent ID.

4. Select the State the application is being submitted in from the drop-down list. The state will determine what forms are available for the new application. If you are in Training Mode you can enter any state you wish to work with.

5. Select the Sale Mode.

� Live Sale - Use this option for an actual sale that will go to Home Office.

� Training Sale - Use this option to practice using the application. These sales will not go to Home Office.

6. Click Next to proceed to the Sales Presentation start screen. Once you click Next you will no longer be able to change the Sale Mode. This field will now be locked.

7. Select a Lead Type to be presented.

� Unions

� Referrals

� Child Safe

� POS

� Credit Unions

� Association

� Internet Surfin’ Guide - Unless your SGA has leads specific to this Introductory Offer – DO NOT show the video or get sponsorships

8. Once the Lead Type presentation is complete, click Continue to proceed to the Sponsorship screen.

9. Choose an Introductory Offer Presentation or click Continue. All or some of the offers will be available based on your Lead Type selection in Step6. If you clicked Continue, a short video for that No Cost offer will be shown.

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� Group AD&D

� Individual AD&D

� Child Safe Kit

� Discount Card

� Internet Surfin’ Guide - Unless your SGA has leads specific to this Introductory Offer – DO NOT show the video or get sponsorships

10. Once the Introductory Offer presentation is complete, click Continue.

11. Complete the Sponsorships form screen. After you enter your Sponsorships, click Submit to return to the Introductory Offer screen (No Cost benefits). Click X to close the form if they do not provide any sponsorships. You will be returned to the Introductory Offer screen and continue to the Mandatory Read-off letter if the prospect/client are in a Union, Credit Union, or an Association memeber. Click Continue at the bottom of the Read-Off letter to proceed to the Nees Analysis Survey.

Introductory Offer and Sponsorships

Upon completion of each Introductory Offer (no-cost benefit) presentation you will receive a sponsorship screen.

No-Cost BenefitsIntroductory Offer or no-cost benefits are items that AIL provides to our customers. These benefits will be available along with their other insurance needs.

The no-costs benefits offered are:

• Group AD&D - Union, Credit Union, or Association members ONLY

• Individual AD&D - All not eligible for the Group AD&D benefit

• Child Safe Kit

• Discount Card

• Internet Surfin’ Guide - Unless your SGA has leads specific to this Introductory Offer – DO NOT show the video or get sponsorships

SponsorshipsThe Sponsorships screen is used to collect information about friends and family members that may be interested in the specific no-cost benefit presented.

The applicant is not required to provide sponsorship information. You should encourage everyone to provide sponsorships so those they know, care about, or love can benefit from No Cost benefits. If there are no sponsorships click Continue to proceed to the Needs Analysis Survey.

Complete the form by entering the following information:

1. Verify that the correct Agent # is selected. This is a required field.

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2. Enter a Referred by name. This is a required field.

3. Verify that the correct Date is selected. This is a required field.

4. Enter the First Name. This is a required field.

5. Enter the Last Name. This is a required field.

6. Enter the Home #. This is a required field. Do not use any special characters such as a dash ( - ).

7. Enter the Relationship of the referrals to the applicant.

8. Enter the Address. This is a required field.

9. Enter the City. This is a required field.

10. Select the State. This is a required field.

11. Enter the Zip. This is a required field.

12. If you select Out of Area this will allow this referral lead to be assigned to a different agent through CAS. It will not be added to your sponsor database. Click OK to close the message window.

13. Enter the above information for each referral. If there are more than 10, click the Plus sign to add an additional person.

14. Once all information has been entered, click Submit. If there is any required information missing, the icon will appear next to the corresponding field.

This data will be transmitted to home office once the Agent is connected online. You will be able to access this screen at anytime during the eApp process selecting Sponsors View from the main menu.

Need Analysis Survey

Following the AIL presentation and explaining the no-cost benefits (and reading the Mandatory Read-Off letter if they are in a Union, Credit Union, or an Association member), the applicant will answer a series of questions that will determine the best products to offer based on the answers given.

The Needs Analysis survey will gather information on the Primary Insured, Spouse, and Children. The Agent will take the applicant through the survey asking various questions. Once the survey is complete the Agent will click Save Survey and then click Submit to proceed to the Proposal screen.

Enter the following information to complete the Needs Analysis survey:

1. Enter the First Name of Primary Insured, Spouse, and Children if appropriate.

2. Enter the Last Name of Primary Insured, Spouse, and Children if appropriate.

3. Select the Gender of Primary Insured, Spouse, and Children if appropriate.

4. Select Date of Birth of Primary Insured and Spouse if appropriate.

5. Enter the Age of Children if appropriate.

6. Click to X Add Additional Children if appropriate.

7. Enter or select answers for each specific question. Note: Please only check one option for Do you bank locally for?

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You must choose checking OR savings, not both.

8. Complete the Medical Condition section if applicable.

9. If you wish to Exclude a member of the family from the application, select Exclude from the Medical Condition section.

10. You no longer need to worry about Inflation or Non-Inflation. We now offer an alternate close and offer both Inflation and Non-Inflation on the Offer. You can allow the prospective client to chose.

11. Click Submit to proceed to the Proposal for each of the 4 basic coverage areas they need or can afford based on the information provided on the Needs Analysis Survey if the Super Combo or Senior 10 (SR10) is approved. See Decline Information below if not approved.

Notes:

� If there is any required information missing, the X icon will appear next to the corresponding field.

� Click the X icon to erase information in a specific field on the survey.

� Click the X icon to assist in calculating the monthly take home pay.

� If you are interrupted at any time while completing the survey, click Save Survey to save the current survey and finish at a later time. You will receive a survey data saved successfully message the click OK. When returning to the existing sale, you will be returned to the Survey.

Decline Information

• If the applicant answers YES to one of the following, the application will be auto declined:

• If Yes to cancer within last 2 years then auto decline. (But if not within last 2 years proceed)

• If Yes to Insulin Diabetes and Yes to Cardiovascular then auto decline.

• If Yes to Cardiovascular within the last 6 months then auto decline.

• If Yes to Oxygen then auto decline.

• If Yes to Alzheimer’s then auto decline.

• If Yes to auto decline on any of the above then eliminate proposal for member and propose coverage for spouse and children.

• If Yes to auto decline for both member and spouse above then proceed with the oldest child as the primary.

• If Yes to terminal illness then auto decline.

• If Yes to any of the above see the table below for alternative product to be offered.

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CONDITION LIFE A71 HEALTH CANCERCancer No Yes No No

Insulin Diabetes Yes No No YesCardiovascular No within 6 months Yes No Yes

Oxygen No Yes No YesTerminal Illness No Yes No Yes

Alzheimers No No No No

Proposal

The Proposal screen will display the recommended offer to the applicant based on the answers from the need analysis survey. A presentation will be shown to the applicant before each product need is displayed. Click Continue to proceed to the next recommended need. Once you get to the final recommended need, click Continue to proceed to the Offer.

The Proposal will take the applicant through a presentation for each type of insurance proposed before providing recommended coverage and amount. If there are ADB offers you will be asked if you would like to show these offers to the applicant.

Note: Always select YES when asked if you want to include ADB.

X

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Offer

The Offer screen is similar to the Proposal screen but includes products, face amount, and premiums. This information will be passed to eApp once the applicant has approved the offer and the Agent has clicked Submit.

You will be able to modify the final offer values (face amounts, premiums) until they are acceptable to the applicant. To add and remove products, simply click the checkbox to select or deselect the item. Be sure to click Recalculate to obtain the new totals. If you do not click recalculate the submit button will be disabled.

If the applicant would like to view the product presentation once again, they can do so from the final offer screen.

Click X to play the product presentation.

To add products that are not part of the proposal you would select products from the Optional coverage drop-down list, who the cover is for, and click . You will have various options to select from:

• Cancer (CNM, C10, or C20)

• A7100 (A71)

• Critical Illness (CI)

• Head Start (whole life for children including GIO rider)

• H3400 (H34)

• Any of the needs plans not already suggested in the offer.

Some or all of the above options may be available based on the state the application is taken in. However, if you do select Optional coverage be sure to click Recalculate.

At anytime while reviewing the offer you have the option to return to the survey, click Return to Survey. You would return to the survey to review information, make changes, and obtain a new offer.

If you are interrupted at any time, click Save Offer to save the current offer and finish at a later time. You will receive an offer data saved successfully message the click OK. When returning to the existing sale, you will be returned to the Offer.

Once you click Submit, you will proceed to the Application Package wizard. For additional information on a new application, see New Application Package. Once you have clicked Submit you will no longer be able to get back to the Offer.

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XApplication Package WizardApplication Package Wizard Overview

The Application Package Wizard is used to:

• Update existing application

• Delete applications

An Agent will go through the various screens of the Application Package Wizard to complete the application process once they have showed the Presentation to the applicant. When an Agent accesses an existing application it will only bring up information that has not been signed and submitted to assigned SGA or Home Office. Existing applications are only applications that have been started but not signed and submitted.

New Application Package

The Application Package Wizard precedes the Presentation and is used to complete Super Combo or Senior 10 applications.

Note: There will be variations by state on the Super Combo and Senior 10 Application.

After you have completed the Presentation:

1. Click Submit from the Offer to proceed to the Application Package Wizard.

2. From the Forms Selection window select the Super Combo or Senior 10 application generated by the Offer by double-clicking or select the form and click Edit.

3. Complete the information needed for the application. Additional forms will be available based on questions from page 2 of the application. These forms will be added to the Forms Selection window. Tool tips are available throughout the application. Hover your mouse to view the tip.

4. Click Validate to verify that all fields are entered correctly. All required fields that have not been completed will receive an error (X). Also, errors will be listed below the application. Double-click the error to go to the field that needs to be entered. Once the error has been corrected the will be removed from the field.

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5. Additional forms will be generated based on questions from page 2 of the application once the application has been validated. These forms will be added to the Forms Selection window.

6. Forms are also validated by clicking Next. If there are errors the form(s) will pop-up to correct.

7. Most forms will have the name(s) pre-filled but if not use the drag and drop feature. This will allow you to move information from one form to another. To access the drag and drop fields click from the main menu. It will bring up a window with all valid information that can be transferred to another form. Be sure to match up the icons for easier form completion.

8. You will also have the option to print the application by clicking Print.

9. Once the application has been completed and validated click the X in the upper right hand corner to close the window.

10. You will return to the forms selection window.

� Forms listed with an eyeglass ( X) informs the Agent that this form has been viewed.

� Forms highlighted in yellow (X) informs the Agent that they are required to leave the completed form with the applicant.

11. Click Next to proceed to the Signatures window.

12. From the Signatures window select the application (Super Combo or Senior 10) and click Sign.

13. Locate and click X to bring up the Signature Capture pop-up. The applicant will enter their name and click Sign. This is a legally binding signature.

14. Continue to select forms and click X to bring up the Signature Capture pop-up and enter their name or click Apply is available.

15. Once all forms are signed there will be a check mark (X) to note that the form has been signed.

16. Once you have completed and signed all of the forms, click Next from the Signatures page to proceed.

17. From the Application Action window you will need to determine if the application is a Standard or Trial without Money application.

� Standard Submit - When an application is loaded onto the mainframe under normal circumstances it is called a standard submit.

� Trial without Money Submit - An application that is submitted on a trial basis based on high risk circumstances of the applicant.

18. Click Next to access to Optional Information window.

19. From the Optional Information window select the optional information that applies and click Next.

20. From the Check List window, check off the steps to ensure that the customer receives the proper information about their application and click Next. Note you must check off all items before continuing. If you do not have your local office phone number in the system you will be prompted to enter the number and click OK. If you wish to add the phone number information later, select Tools X Options from the main menu, enter your Phone Number, and click OK.

21. The Summary screen will show the summary of items purchased. You will also have the option to print out the summary information and give to the customer, click Print. Note: The application will not be transmitted until the summary screen has been reviewed.

22. Click Continue to proceed to the Specimen screen.

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23. Review Specimen screen and click Continue.

24. Go over Closing Scripts with customer and click Continue.

25. The new application is being locked and packaged for transmission to Home Office.

26. Once you receive the Application Package has been successfully packaged and is ready to transmit to home office message, click Finish.

27. Once the Agent returns to the office they will login to eApp while connected to the internet (ONLINE) and submit the application. Once the login is complete you will receive the Application Package Transfer window.

28. Select the application package you would like to transfer to Home office and click Send. For a new policy to be assigned a number, the transmit cut off time is noon CST daily. See Application Package Transfer.

29. Once the transmission is complete the Agent will be directed to the Agent Workspace web. From the Agent Workspace, select the appropriate date and click Go. Also, you can look under the Batch Summary link and locate the transmitted application. From here the SGA has 5 days to approve or not approve the application. If after 5 days the SGA has not approved the application it will automatically be approved.

Note: You have the option to stop the application package process at anytime and access it at a later time using the Existing Application Package process.

Existing Application Package

The Application Package Wizard is accessible from File on the main menu or from the Presentation. From this screen an Agent will be able update an existing application that has not been submitted to the assigned SGA or Home Office.

To update an existing application in the Application Package Wizard:

1. Select File X Application Package Wizard from the main menu. You can also click X from the toolbar to access the Application Package Wizard or clicking Existing Application from the Presentation.

2. Select the Existing Application Package radio button.

3. From the Application Package section of the window select the existing application you would like to work on and click Next.

4. Review the Initial Application Package Information window and click Next to proceed to the Forms Selection window.

5. From the Form Selection window select the form you would like to update.

6. For further instructions, see New Application Package.

You also have the ability to open an existing needs analysis survey or offer if you have not clicked Submit from the Final Offer. You would follow steps 1-3 then continue with the needs analysis survey or offer.

Delete Application PackageThe Application Package Wizard is accessible from File on the main menu. From this screen an Agent will be able delete an existing application that has not been submitted to the Home Office.

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To delete an existing application in the Application Package Wizard:

1. Select File Application Package Wizard from the main menu. You can also click from the toolbar to access the Application Package Wizard.

2. Select the Delete Application Package radio button.

3. From the Application Package section of the window select the existing application you would like to delete and click Next.

4. From the Finished Window select the reason:

� Not Interested

� Can’t Afford

� POS

� Want To Think About It

� Bank

� Computer Error

� Does Not Qualify

5. Click Delete Application Package. If you do not want to delete the selected application click Finish to exit.

6. You will receive a Confirmation window. Enter the Confirmation Code in the Verification box and click OK.

7. From the Finished window you will receive an Application Package has been successful deleted, click finish to exit.

If you have multiple applications to delete click Tech Support. This will take you to the Request One-Time Pass window. From this window you will be directed to contact eApp Help. Provide eApp Help with the Pass Code and eApp Help will provide you a Pass Key to delete all applications at once. Only use this option when you want to delete ALL of your existing sales.

Stop Current Sale

The stop a current sale function is to be used when you need to save a current sale for later or delete the current sale (abandon). To access this function you must have a sale up in the application wizard. The Application Package Wizard is accessible from File on the main menu.

To stop a current sale:

1. You must first have the sale up in the Presentation or the Application Package Wizard.

2. From the main menu the stop current sale icon X will be available.

3. Click X to access the Stop Current Sale (Save/Delete) window.

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4. From the Stop Current Sales (Save/Delete) window you will have 2 options.

� Save - Click this option to Save the current sale for later. The sale will be saved for up to 7 days.

� Delete - Click this option to delete the current sale and continue with the Delete Application Package process.

Application Package TransferTo transmit application packages you must do an Update Software(Online) or Transmit Application login to eApp.

1. Enter your username and password.

2. You will be directed to the Application Package Transfer window. From this window you will be able to send the sale to Home Office.

3. The Agent will select the package(s) to send to Home Office and click Send.

4. You will be directed to the Agent Workspace web site.

5. From the Batch Transmittal Summary select the Dates to search on and select Submitted Date to see your transmission.

Once the transmission is complete the Agent will be directed to the Agent Workspace web. Select Agent eApp Batch Transmittal Summary to locate the transmitted application. From here the SGA has 5 days to approve or not approve the application package. If after 5 days the SGA has not approved the application it will automatically be approved.

Drag and DropIf you have multiple forms to fill out use the drag and drop feature. This will allow you to move information from one form to another. To access the drag and drop fields click X from the main menu. It will bring up a window with all valid information that can be transferred to another form. Match up the icons. This option will only be available once you access the Application Package Wizard and have completed a Super Combo or Senior 10 application.

Drag and Drop items are represented by the following icons:

• X

• X

• X

Note: When using the Drag and Drop feature you must match up icons that are listed above.

Unlock all Forms in an Application PackageFor some reason you need to unlock an application package you will have to ask the customer to re-sign all forms in the

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application. This can only be done before transmission.

To unlock an application package:

1. Access the Existing Application through the Application Package Wizard.

2. From the Forms Selection window click Unlock.

3. You will receive a Confirmation to Unlock message.

4. Enter the Confirmation Code in the Verification box and click OK.

5. You will now have the opportunity to make changes to the application and have the customer resign.

6. You will now need to repackage the application.

Add Forms

In most cases required forms will automatically be generated, but in some cases you would add a form manually. For example, exclusion forms.

To add a form to an application:

1. Select the application from the Forms Selection window.

2. Click Add to bring up the Available Forms window.

3. Select the form you wish with add to the application and click Add to add the form to the list.

4. If you wish to edit the new form, click Edit from the Forms Selection window.

Note:

• Exclusion forms are available from the Other section of the Available Forms window.

Agent Workspace

The Agent Workspace is used to view the Agents applications. The Agent will have the option to view all of their activity by date by selecting Agent X eApp Batch Transmittal Summary from the main menu. You’ll notice that there is a policy number assigned. Once the number is assigned it can be released to go to the Document Management System (DMS) by your SGA. The SGA will have 10 days to review the application.

Access Workspace

You will automatically be directed to your Agent Workspace once you have transmitted policies to Home Office.

To access the Agent workspace directly:

1. Access your Internet Browser

2. https://prodwebapps.ailife.com/agentsite/

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You can also access the Agent Workspace from http://www.ailife.com. Click agent login from the footer to access the Agent Workspace.

Create User Profile

Upon initial access you will need to create a user ID and password to access your workspace.

To create a user ID and password for initial login:

1. Agent Information

� Enter your Agent Number. Provide one of your agent numbers.

� Enter the Last 4 of Taxid. Provide the last 4 digits of your social security number or if you are not in the United States the last 4 digits of your tax ID.

2. User Identification

a. Enter a Username. Your username must have at least 5 characters. For example, JSmith.

b. Enter a Password. Your password must be at least 8 characters.

c. Re-enter the Password for verification.

d. Enter an Email. The email address is used to recover your password.

3. To be able to recover your password, select a question from the Secret Question drop-down. For example, What is your pet’s name?

4. Enter the answer to the question selected in the above step in the Your answer field.

5. Click Submit.

6. To verify your new login, logout of the workspace and log back in with your new user ID and password.

Once you have accessed and created a user profile you will be able to use the site. The Batch Summary link will show you all your activity; however you must know the specific date the application was transmitted to Home Office (Agent Workspace).

The Batch date/time is in Home Office CST.

Wizard ScreensExisting/Delete Application Package

This is the first window that you will see when you select File Application Package Wizard from the main menu.

This window offers two options for an Agent.

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1. Existing Application Package- Select this option to update an existing application package transaction. An existing application package is a transaction that has been started with the eApp application and was not completed.

2. Delete Application Package - Select this option to remove an application package from eApp application.

Click Next to progress to the next window.

Agent InformationThis window is used to enter a name of the applicant, selecting your Agent number, and the state that application is being taken in.


Forms Selection

This window is used to add, edit, remove, and recover forms to an application.

You will have the option to add the following application:

� Super Combo Application - An application that allows the Agent setup a life, accident, hospital, cancer plans, and critical illness on one application instead of filling out 5 individual applications. For additional information on the Super Combo Application, see Super Combo App Specifics. Note that if the applicant needs to insure more than 3 children, they must complete the Child Addendum. The Child Addendum is page 3 of the application.

Add Form

To add and application:

1. Click Applications.

2. Click Add and select what application you would like to proceed with.

3. Click OK.

4. The document will be shown in the window.

5. To bring up the form, double-click or select the form, and click Edit.

Edit Form

To edit a form, select the appropriate form and click Edit.

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Remove Form

To remove a form, select the form your wish to remove and click Remove.

Recover Form

To recover a form:

1. Click Recover.

2. From the Recover window select the form you wish to recover.

3. Drop the selected form into the Form Selection window to add it to the list once again.

Unlock Form

When you unlock a form all forms that were previously signed will require a new signature.

To unlock a form:

1. Select the Application to unlock.

2. Click Unlock.

3. You will receive a Confirmation to Unlock message.

4. Enter the Confirmation Code in the Verification box and click OK.

5. You now may continue with this application.


Signatures

This window is used to sign all forms to complete the application package.

1. Click Next to proceed to the Signatures window.

2. From the Signatures window select the application (Super Combo or Senior 10) and click Sign.

3. Locate and click X to bring up the Signature Capture pop-up. The applicant will enter their name and click Sign. This is a legally binding signature. This signature will be verified based on the name entered on the application. If the signature does not match, you will receive a pop-up asking them if they want to use the signature entered, click Yes to accept the signature or No to resign.

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X 4. Continue to select forms and click X to bring up the Signature Capture pop-up. You would only have to click Apply once you have entered your name in step 3.

X5. Once all forms are signed there will be a check mark (X) to note that the forms has been signed.

6. Once you have completed and signed all of the forms click Next from the Signatures page to proceed.


Application Package Action

This window will summarize premium amounts, assign the application an ID, and the Agent will determine what type of application will be submitted. You will receive this window after the Agent has validated and signed all forms. The Agent will have two submit options:

• Standard Submit - When an application is loaded onto the mainframe under normal circumstances it is called a standard submit.

• Trial without Money - The application will be submitted on a trial basis based on the high risk circumstances of the applicant.

Please take note of the CWA and Application ID information. This information should be written down on the Conditional Receipt. Agents can order the Conditional Receipt (Form AG2503 and AG2503B) through CAS.

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Note: This window is referred to as a “Button Up” screen. A video showing this process can be viewed from the on the Laptop On Demand web site: www.aillaptopondemand.com


Optional Information

This window provides you with the opportunity to request optional information associated with the application. An example of an optional service is the Partners Card. This card is a Health Service Discount Program that provides discounts for Vision, Hearing, Prescriptions, and Chiropractic Care.

Select the information that the applicant requests.

Note: This window is referred to as a “Button Up” screen. A video showing this process can be viewed from the Laptop On Demand web site: www.aillaptopondemand.com


Summary Sheet

This window provides the Agent a one stop view of items purchased. Click Continue to proceed to the Specimen window.

Notes:

� The application will not be transmitted until the summary screen has been reviewed.

� This window is referred to as a “Button Up” screen. A video showing this process can be viewed from the Laptop On Demand web site: www.aillaptopondemand.com

X

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Specimen

This window shows the specimen application for each product purchased. Use the arrows to navigate to others page and use the Zoom is look closer at the document. Click Continue to proceed to the Final Remarks.


XFinal Remarks

This window provides guidance to the Agent on the possibilities of the application being accepted along with the premium amount. What Service file information is being left with the customer and the recommended final closing with the customer.


Click Continue to progress to the next window.

Agent Recruiting

This window directs the Agent to play the Agent Recruiting video and continue with a referral form to complete.

Click the X in the upper right hand corner at the end of the video to proceed to the referral form.

Complete the referral form and click Submit to progress to the next window.

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Check List

XThis window provides the Agent with the check list to ensure they have informed the customer about their application. All items must be checked off before proceeding to the next window.

If you do not have your local phone number in the system you will be prompted to enter the number and click OK. If you wish to add the phone number information later, select Tools X Options from the main menu and enter your Phone Number and click OK. This phone number will be shown on the Summary.



Packaging Application for Transmission

This window prepares the application by locking the application and packaging the forms for transmission to Agent Workspace then eventually to Home Office. Once the application has been prepared you will receive and message that it is ready for the application package transfer.

Click Finish to complete the packaging and exit the Application Package Wizard. The next time you do a Update Software(Online) or Transmit Application login, the transmission window will appear upon login to transmit the application to your Agent Workspace.

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Sponsors

The Sponsorships screen is used to collect information about friends and family members that may be interested in the specific no-cost benefit presented. You will have to option to Add a sponsor for a no-cost benefit and View sponsors entered before transmission. These functions are accessible from Referrals

X Sponsors on the main menu.

Add a Sponsor Manually

The Sponsorships screen is used to collect information about friends and family members that may be interested in the specific no-cost benefit presented.

The applicant is not required to provide sponsorship information. You should encourage everyone to provide sponsorships so those they know, care about, or love can benefit from No Cost benefits. You will be able to add a sponsor from the Presentation or manually by selecting Referrals X Sponsors X Add from the main menu .







6. Enter the Home #. This is a required field. Do not use any special characters such as a dash ( - ).


8. Enter the Address. This is a required field.

9. Enter the City. This is a required field.

10. Select the State. This is a required field.

11. Enter the Zip/Postal Code. This is a required field.

12. If you select Out of Area this will allow this referral lead to be assigned to a different agent through CAS. It will not be added to your sponsor database. Click OK to close the message window.

13. Enter the above information for each referral. If there are more than 10, click the Plus sign to add an additional person.

14. Once all information has been entered, click Submit. If there is any required information missing, the X icon will appear next to the corresponding field.

This data will be transmitted to home office once the Agent is connected online. You will be able to access this screen at anytime during the eApp process by selecting Referrals X Sponsors X View from the main menu.

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View Sponsors

From this screen you will be able to view sponsors, add a resolve code, print sponsors, and delete sponsors.

To view sponsors select Referrals X Sponsors X View from the main menu.

Add Resolve Code

In the sponsorships entered table there will be a drop-down list in the resolve code column. Select a resolve code from the drop-down list to associate to the sponsor.

Print Sponsors

To print sponsors from the table you will have a few printing options.

• With Resolve Code - This will print all of the sponsors that have a resolve code

• Empty Resolve Code - This will print all of the sponsors with no resolve code

• Selected - This will print only the sponsors that are selected

• All - This will print all of the sponsors in the table

Once you have select your printing option, click Print.

Hint: From the Select column click the checkbox. This will select all items in the table.

Delete Sponsors

To delete a sponsor:

1. Select the sponsor(s) you would like to remove from the table by clicking the checkbox in the select column.

2. Click Delete Selected.

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Recruiting

The Recruiting video and referrals screen is used to collect information about friends and family members that may be interested in a career opportunity with American Income Life.

Add Recruiting Referrals Manually

The Recruiting referrals screen is used to collect information about friends and family members that may be interested in a career opportunity with American Income Life.

The applicant is not required to provide referral information. You will be able to add a recruiting referral from the Presentation or manually by selecting Referrals X Recruiting from the main menu .








7. Enter the Address.

8. Enter the City.

9. Select the State.

10. Enter the Zip/Postal Code.

11. Enter the Home Phone or Cell Phone.

This is a required field. Do not use any special characters such as a dash ( - ).

12. Enter the above information for each referral.

13. Once all information has been entered, click Submit. If there is any required information missing, the X icon will appear next to the corresponding field.

This data will be transmitted to home office once the Agent is connected online.

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Videos

The presentation videos will only be accessible from Videos on the main menu once you get to the Offer. Select the video you wish to view from the main menu.

The following videos are available:

• A71000 Accident Protection

• Cancer Protection

• Critical Illness Protection

• Final Expense Protection

• Final Expense Inflation

• H34000 Hospital Indemnity

• Head Start Protection

• Monthly Income Protection

• Mortgage Protection

• Mortgage Accident

ToolsOptions

Options are accessible from Tools on the main menu. From this screen up will be able to enter where you would like your backups to reside, the location of the eApp presentation, and your default settings. Default settings include: Agent Number, Sit. Code, Sale City, Sale State. This information will populate the wizard when creating new applications.

To set your various eApp options:

1. Select Tools X Options from the main menu

2. From the Data section:

a. Click the folder icon to set your Backup Path and locate the appropriate folder where you would like your backups to reside on your PC. You can also enter the path.

b. The AutoSave option will be selected to automatically save your applications. You also have the option to enter the autosave frequency. The default value is 5 minutes. If you would like to disable this feature uncheck the checkbox.

c. When the AutoSave option is selected you will have to set the frequency in minutes. This means that applications will be automatically saved every specified number of minutes.

3. From the Defaults section:

a. Enter your Agent Number. An Agent Number is the number an Agent was assigned.

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b. Enter your Sit Code.

c. Enter you City. The City is the city the Agents setup policies in.

d. Enter your State. The State is the state the Agent setup policies in.

e. Enter your Ph (phone number). The Phone Number is the local phone number the Agent setup policies in. If this is not complete you will be prompted after the Check List.

4. From the Help section the Show Balloon Help option will be selected by default. This option will allow you to receive tips when hovering over a field. If you would like to disable this feature uncheck the checkbox.

5. From the Super Combo Add-On’s section the Show Presentation-Survey and Show Presentation Video’s will be the default selection. If you would like to disable these features uncheck the checkboxes.

6. Click OK to set your Options.

When you log off of the eApp you will have the option to backup your work from the Backup Manager window.

Backup Manager

Backup Manager is accessible from Tools on the main menu. From this screen you will be able to create backups of your applications on your PC. You will also be able to manage your backups by deleting or restoring a specified backup.

Create Backup

To backup your work for the day or basically whenever you wish to create a back:

1. Select Tools X Backup Manager from the main menu. You can also click X from the toolbar to access

the Backup Manager.

2. Verify that the Backup tab is selected.

3. Click the folder icon to determine where you would like the backup to reside.

4. Click Backup.

5. You will receive the Backup completed Successfully message. Click OK.

Delete Backup

To delete a backup:

1. Select Tools Backup Manager from the main menu. You can also click X from the toolbar to access

the Backup Manager

2. Select the Manage Backups tab.

3. Select the file you wish to delete.

4. Click Delete.

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Restore Backup

To restore a backup:

1. Select Tools Backup Manager from the main menu. You can also click from the toolbar to access

the Backup Manager

2. Select the Manage Backups tab.

3. Select the file you wish to restore.

4. Click Restore. You can continue with the business you were working on from the restored backup.

Master Forms List

The Master Form list is accessible from Tools on the main menu. This screen will show all of the available forms for each state the Agent is licensed in. You will also be able to print forms for your clients. The Master Form list is not available in Training Mode.

1. Select Tools Master Forms List from the main menu.

2. Select the states form you wish to view.

3. Locate the appropriate form.

4. Click Preview to preview the form with the option to print.

5. Click Print to print the form.

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HelpTechnical AssistanceFor eApp Technical Assistance:

Company: American Income Life

Address: 1200 Wooded Acres

City: Waco State: TX Zip: 76710

Monday - Friday: 8:00 AM to 5:00 PM CST

Help Desk: (254) 741-6684

eFax: (254) 741-5724

E-mail: [email protected] or [email protected]

When leaving a voice message or E-mail please supply the Help Request # if one has been assigned, or provide all of the information listed below.

1. Agent number you selected in the Form Sales screen.

2. State you selected in the Form Sales screen.

3. Contact Name

4. Contact Phone Number with Area Code and/or extension.

5. Best time to call when being in front of a computer

6. Brief description of assistance.

Please be sure to include all 6 items above to avoid call back delays. Omission of any of the above requested information will delay response.

When submitting an E-mail please provide the following additional information:

1. Applicant State

2. General statement of where the error took place like Survey, Offer, Super Combo, Senior 10, Videos, Summary Screen or other.

3. Screen Shot: Take a screen shot of the existing error screen. (alt-Print Screen will capture the immediate window)

4. Capture Inputs: Provide inputs entered for the error. For example, if you find a question on the Offer screen you can use the Return to Survey button and return to the survey to capture the inputs in a screen shot.

5. Describe Events: Describe the sequence of events leading up to the error. (Example, entered name into the survey, tabbed to date field and program caused an error).

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Other Tips

1. Help File: Refer to the eApp application help files that are available with the eApp to see if there are answers to your questions.

2. Backup eApp Database: You may be asked by CAS-Help to provide a copy of the eApp.db. To help with this please make regular backups of your eApp database for troubleshooting purposes.

Remote Assistance

This option allows you to receive technical assistance from your PC by connecting to the cascon.ailife.com server

Hints & TipsUsing the Form Screens WindowOptions

You have will 4 options from the Forms Screen window toolbar.

X X X X X X X X X X X X X X X X X X X X X X X X X X X X

• Validate - Use this option to validate your form entries. If there are errors on the form, an X will be next to the field. Also, there will be a listing of errors at the bottom of the window.

• Print - Use this option to print the signed form.

• Help - Use this option to access Help.

Filling out a Form

Fill out fields in blue. Click the blue field you want to fill out and enter the appropriate information. Continue to fill out the form until it is complete. Once you have completed the form click Validate and correct any errors presented. If you are filling out multiple forms eApp have a drag and drop feature. See below for more information.

Drag and Drop

Drag and Drop items are represented by the following icons:

• X

• X

• X

This feature was designed to assist Agents with having the same information on various forms. You will be able to drag information from the Drag/Drop window and drop it in another form. This will automatically fill in the information onto the other form. Remember to match up the icons. Once a form has been locked (signed) the drag and drop feature will not be available. See Drag and Drop.

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Sign an Application

To sign the completed and validated application and you must be on the Signatures window. Select the application and click Sign. The X icon represents a signature field. Once you have signed all fields click Finish. Once an application is signed and finished it is locked from edits.

ICON STATUS DESCRIPTION

X WARNING Lets the user know of a possible error. User action is option.

X ERROR A required fild is blank or invalid. User action is required to complete form.

X DECLINE Due to the applicants answer, the application is declined.

X N/A Signature field.

X N/A Name field. This icon indicates that this is a drag and drop field.

X N/A Address field. This icon indicates that this is a drag and drop field.

X N/A Depository name field. This icon indicates that this is a drag and drop field.

X N.A Drag and Drop icon. This is available from the eApp main menu.

X REQUIRED This icon indicates that the field is required on the Presentation forms.

X ERASER This icon is used to erase information in a specific field on the Needs Analysis Survey.

X CALCULATOR This icon is used to assist in determining monthly take home pay.

X N/A Stop the current sale (Save/Delete)

Note: When using the Drag and Drop feature you must match up icons that are listed in the table above. Drag and Drop is not available in the Presentation. For additional information on this feature see, Drag and Drop.

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HotKeys

Hotkeys are shortcuts to navigate through eApp using the keyboard.

Screen Buttons HotKeys

Survey ScreenSave Survey ALT+a

Submit ALT+sSurvey Children Submit ALT+s

Sponsor ScreenSubmit ALT+s

Add Additional People ALT+aAgent Referral Screen Close ALT+x

Final Offer FormSave Offer ALT+a

Return to Survey ALT+rSubmit ALT+s

Image Viewer Screen--> ALT+n <-- ALT+p

Continue ALT+c

Offer Screen Continue ALT+c

Supplementary Information Screen

Continue ALT+c

Welcome ScreenStart Presentation ALT+p

Existing Application ALT+eHome Offer Transfer Screen Send ALT+s

Trial Period ScreenContinue Training Period ALT+c

Activation ALT+a

Option ScreenOK ALT+o

Cancel ALT+c

Summary ScreenContinue ALT+c

Print ALT+p

Login ScreenOK ALT+o

Cancel ALT+cChange Password ALT+p

Available Forms ScreenAdd ALT+a

Cancel ALT+cForms List Screen Preview ALT+r

Print ALT+p

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Form Display Screen

Validate ALT+vSign ALT+sPrint ALT+pHelp ALT+h

Backup Manager ScreenDelete ALT+d

Restore ALT+rBackup Now ALT+b

Form List Screen

Add from ALT+aDelete Application ALT+d

Recover ALT+eSave ALT+sSign ALT+i

View Summary ALT+vUnlock ALT+u

Edit ALT+t

Notes:

• Menu Items are also defined with the “_” under the HotKey. Hold down ALT, press the hotkey then the menu item HotKey.

• You have to press the “ALT” key and be on the screen for most of the “_” to be visually seen on the HotKeys.

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eApp Frequently Asked Questions • What is eApp?

• What hardware is required to run eApp?

• Why should I use eApp?

• When can I start using eApp?

• How do I get the eApp software?

• Will eApp cause an increase in agent training time?

• Can I take all my applications in eApp?

• How long does it take to take an application with eApp?

• What do I do if eApp or my laptop had technical difficulties?

• Is eApp usage mandatory?

• If we are transmitting the application electronically to home office, what do we do with the money collected?

• In our state, agents must leave copies of certain documents with the customer, how does eApp handle those situations?

What is eApp?

eApp is an electronic application submission system, consisting of an agent laptop application, CAS SGA review application, and Home Office mainframe submittal application. This application will assist Agents to submit applications to the home office and also it help them determine what coverage a customer may need using a new presentation. These presentations have been added to eApp along with a survey and offer that will pre-populate a Super Combo eApp or Senior 10 eApp. An Agent will receive assistance determining coverage needs by showing the potential customer a Presentation. This will ensure that the potential customer receives the best coverage possible for their situation and needs. By using the new eApp, applications will be received and processed in a more timely manner. Also, the Agent runs less risk of having to visit the customer again to sign additional forms.

What hardware is required to run eApp?

eAPP Notebook\Laptop Purchasing and Operating Systems Specifications:

Purchasing Suggestion:

• Notebook\Laptop (Duo Core)

• Minimum of 2 gig of computer memoryMinimum of 150gig of hard drive storage

• Operating System is Windows XP Professional with all current Service packs installed or Vista (UAC turned off).

• Personal Firewall Software (* XP Service Pack 2.0 includes a personal firewall)

• Virus Scanning Software

• Sound requires audio output

* Disclaimer - The AIL eApp may run on an older processor, for example a P4. If using an older processor you may experience decreased performance.

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Operating Requirements:

XP Professional requirements:

• 1 GHz processor Pentium Duo Core

• 512 MB of RAM

• 15 GB of available disk space

• At least 2- USB 2.0 ports

• Windows XP Professional with all current Service packs installed



Windows 7 minimum requirements:

• 1 GHz processor (32- or 64-bit)

• 1 GB of RAM (32-bit); 2 GB of RAM (64-bit)

• 16 GB of available disk space (32-bit); 20 GB of available disk space (64-bit)

• DirectX 9 graphics device with WDDM 1.0 or higher driver


Vista minimum requirements:


• 512 MB of RAM (for Home Basic); 1 GB of RAM for all other versions


• Support for DirectX 9 graphics and 32 MB of graphics memory (for Home Basic); 128 MB of graphics memory plus WDDM support for all other versions


Why should I use eApp?

Some of the major benefits of using eApp are:

• Presentation and Need Analysis Survey will help determine correct coverage

• eApp ensures all questions are completed

• Automatically generates required questionnaires and forms

• Captures required signatures

• Premium calculate correctly

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• Legible applications without mark outs/changes

• Automatic submission of applications to the mainframe and DMS systems

• Validates application against field underwriting flash criteria

• Reduces mailing costs

• Reduces application review time by managers

• Reduces mailing time and mail lost in transit

• Reduces NOADV situations

• Reduces NTO situations

• Smoothing of workflow

When can I start using eApp?

eApp (Super Combo and Senior 10) is available in all areas but New York and New Zealand.

How do I get the eApp software?Once eApp has been implemented in your state, your CAS location will receive notification from home office. At that time you will be provided with links to download the software and installation instructions.

Will eApp cause an increase in agent training time?Training time should decrease for new agents because they have less need to know all the details of forms, questionnaires, and calculations since eApp does that for them. Now more time can be focused on customer service and not on how to fill out an application.

Can I take all my applications in eApp?Yes, eApp supports Super Combo (AG2549) and Senior 10 (AG2356) applications.

How long does it take to take an application with eApp?After adequate training, an agent should be able to complete an application in equal to or less time than a paper sale.

What do I do if eApp or my laptop has technical difficulties?In the event of technical difficulties, paper documents are your backup. Because computers and software always have the potential to fail at any time, you should always be prepared to revert to paper documents if necessary.

Is eApp usage mandatory?eApp will be mandatory for all NEW Agents starting in September of 2011. It is not mandatory for current Agents, however the huge benefits gained in using eApp will easily demonstrate its value.

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If we are transmitting the application electronically to home office, what do we do with the money we collected?eApp only supports electronic bank draft (ACH) payments. No form of payment is to be collected at the time of the application. Initial premiums and subsequent monthly premiums will be collected electronically.

In our state, agents must leave copies of certain documents with the customer, how does eApp handle those situations?Two options are available, first you can fill it out electronically for eApp purposes and hand write a paper copy for the customer, or the agent can carry a small ink jet printer and print out the customer copies from eApp. In either case the electronic form in eApp must be filled out. Most states should not have this problem, and alternate solutions will be evaluated as we move into other states that do require customer copies.

Super Combo Application SpecificsThe following list hints and tips when filling about the Super Combo Application.

• Available fields will be in blue.

• Tool tips are available throughout the application. Hover your mouse to view the tip.

• The Social Security number is not required. If the customer refuses to provide a SSN then they must fill out the Residency questionnaire.

• If the customer refuses to provide their Drivers License number on the Super Combo Application they must fill out the Drivers License questionnaire. This is not required for New Zealand.

• If more than 3 children are to be insured they must complete the Child Addendum which is page 3 of the application

• Medical information must be filled out completely for each person on the Super Combo Application. Answers to medical questions cannot be carried over for each person listed on the application.

• eApp will generate medical questionnaires that are needed based on page 2 of the Super Combo Application.

• When changing a customer’s age or adding/removing a customer from an application, premiums will be recalculated.

• HIPPA forms are always required when Life is selected on the application. This is not valid for New Zealand.

• Life Replacement - Is any insurance applied for intended to replace or change any insurance or annuities in this or any other company? If the customer is purchasing this for replacement insurance and the state does not have the new form Life Replacement AG2385 will need to be filled out. If the customer is not replacing insurance the state has the new form, fill out the new form and choose NO for replacement insurance. When selecting Life Insurance and state has approved replacement form, the form will pop up. Selecting Life should trigger the AG2385 form.

• Life Insurance

• You will only be able to select one plan from the Plan Options box.

• You will be able to make multiple Riders and Benefits selections.

• Accident, Hospital, and Cancer Insurance - Sold as Individual (A) or Family (B)

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Auto CompleteThe auto complete feature is used to assistant an Agent when filling out an application package.

There are 2 ways this feature will be utilized:

• Drag and Drop icons

• Other fields that have been authorized for this feature. This is determined by form.

Start entering information in a field and you will receive a drop-down box with the previous information you have entered with corresponding information. Select the information you wish to use.

Below is an example of the Auto Complete feature:

X

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What hardware is required to run eApp?

eAPP Notebook\Laptop Purchasing and Operating Systems Specifications:

Purchasing Suggestion:• Notebook\Laptop (Duo Core)

• Minimum of 2 gig of computer memory

• Minimum of 150gig of hard drive storage

• Operating System is Windows XP Professional with all current Service packs installed, Windows 7, or Vista (UAC turned off).



• Sound requires audio output

* Disclaimer - The AIL eApp may run on an older processor, for example a P4. If using an older processor you may experience decreased performance.

Operating Requirements:

XP Professional requirements:

• 1 GHz processor Pentium Duo Core

• 512 MB of RAM


• At least 2- USB 2.0 ports

• Windows XP Professional with all current Service packs installed



Windows 7 minimum requirements:


• 1 GB of RAM (32-bit); 2 GB of RAM (64-bit)

• 16 GB of available disk space (32-bit); 20 GB of available disk space (64-bit)

• DirectX 9 graphics device with WDDM 1.0 or higher driver


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Vista minimum requirements:


• 512 MB of RAM (for Home Basic); 1 GB of RAM for all other versions


• Support for DirectX 9 graphics and 32 MB of graphics memory (for Home Basic); 128 MB of graphics memory plus WDDM support for all other versions


Daylight Saving TimeIn order for Rsync to function properly with Microsoft computers they must be rebooted after the Time Change on Sunday morning at 2AM EST. This will need to be completed prior run eApp online after the Time Change on Sunday morning at 2AM EST. This is valid for the Spring and Fall time changes.

Scheduled TasksIf you have Scheduled Tasks turned on for CAS Home Receive you will need to disable this option prior to the time change. The task can be enabled at a later time so that it is allowed to run on demand or when it is scheduled to run.

Windows XPTo disable a Scheduled Task from running:

1. From your desktop select Start Settings Control Panel.

2. From the Control Panel click the Scheduled Tasks icon.

X 3. Double-click the task to bring up the task properties.

4. From the Task Tab, uncheck Enabled (scheduled task runs at specific time)

5. Click Apply and OK.

To enable a Task to run:

1. From your desktop select Start Settings Control Panel.

2. From the Control Panel click the Scheduled Tasks icon.

3. Double-click the task to bring up the task properties.

4. From the Task Tab, check Enabled (scheduled task runs at specific time)

5. Click Apply and OK.

Windows VISTATo disable a Task from running:

1. If Task Scheduler is not open, start Task Scheduler.

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2. Find and click the task folder in the console tree that contains the task you want to disable.

3. In the console window, click the task that you want to disable.

4. In the Actions pane, click Disable. The Disable command will only be available in the Actions pane if the task is enabled.

To enable a Task to run:

1. If Task Scheduler is not open, start Task Scheduler.

2. Find and click the task folder in the console tree that contains the task you want to enable.

3. In the console window, click the task that you want to enable.

Online Download Issues

If you are having issues or receiving an error during the Online process please follow the steps below.

X

1. From your desktop, open the Task Manager by entering CTL+ALT+Delete. From the Application tab locate and select the eApp reference and click End Task.

X

2. Click the Processes tab.

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X 3. Click the Image Name column to sort alphabetically. (you may have to click it twice to get it to sort properly).

4.Select eAppMain.exe and click End Process.

5.Select rsync.exe and click End Process.

X

6. Try an eApp Online once again.

DPI ScalingYou could be having a DPI Scaling issue if the Presentation Surveys, Supercombo application, or questionnaires fields do not line up properly. This is typically a Windows Vista or a Windows 7 issue.

Notice in the example below that the fields do not match up.

X

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To correct the DPI Scaling issue:

1. Bring up Control Panel

2. Select Ease of Access Center

X 3. Select Change the Size of text and icons

4. Change icon size to be the Default Scale (96 DPI)

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Index

AAdd…………………………………………………16, 18

Add Form………………………………………………18

Agent Information………………………………………17

Agent Recruiting………………………………………21

Agent Workspace………………………………………15

Agents…………………………………………………33

Application………………………………………13, 33

Application Package…………………………3, 13, 14, 17

Existing………………………………………14

New…………………………………………13

Application Package Action……………………………19

Application Package Transfer……………………………15

Application Package Wizard………………………13, 17

Available Forms Window………………………………16

BBackup…………………………………………………29

Create…………………………………………29

Delete…………………………………………29

Restore………………………………………30

Backup Path……………………………………………29

Batch Summary…………………………………………15

CChange Password………………………………………4

Check List………………………………………………21

Chiropractic Care………………………………………19

Combo Application……………………………………13

Create………………………………………………17, 29

Create Backup…………………………………………29

DDelete……………………………………………… 14, 29

Delete Backup…………………………………………29

Discounts………………………………………………19

Vision…………………………………………………19

Drag and Drop…………………………………………33

Drop……………………………………………………33

EeApp……………………………………………………3

Login……………………………………………………3

eApp Frequently Asked Questions……………………35

eApp Logon……………………………………………3

eApp offline……………………………………………3

eApp online……………………………………………3

Edit…………………………………………………18, 33

Existing………………………………………………4, 14

Password…………………………………………………4

FFinish………………………………………………22, 33

Form entries……………………………………………33

Form Screen window…………………………………33

Form Screen Window Icons……………………………33

Form Selection window………………………………18

Forms……………………………………………16, 18, 33

Add Forms………………………………………………16

Edit Form………………………………………………18

Remove Form…………………………………………18

Forms eApp……………………………………………33

Forms List………………………………………………30

Forms Screen Window Toolbar…………………………33

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HHealth Service Discount Program……………………19

Hearing ………………………………………………19

Home Office………………………………………15, 22

Send…………………………………………………15

LLogin……………………………………………………3

eapp……………………………………………3

NNew…………………………………………………13

New Application……………………………………13

New/Existing Application…………………………13, 17

OOffer…………………………………………………10

Online…………………………………………………15

Online/Offline………………………………………3

Option………………………………………………29, 33

Validate……………………………………………v33

Optional Information…………………………………19

PPackaging Sale…………………………………………22

Partners Care…………………………………………19

Password……………………………………………4

Exist ing……………………………………………4

Prescriptions………………………………………19

Print Window……………………………………………4

Printer Setup……………………………………………4

Proposal………………………………………………9

RRecover ………………………………………………18

Recruiting……………………………………………21

Remote Assistance……………………………………31

Remove…………………………………………………18

Restore …………………………………………………29

Restore Backup…………………………………………29

SSend…………………………………………………15

Home Office…………………………………15

Sga……………………………………………………15

Sign…………………………………………………33

Standard Submit……………………………………13, 19

TTechnical Assistance……………………………………31

Transmission…………………………………………22

Tria……………………………………………………13

Trial Without Money……………………………………19

UUse……………………………………………………33

VValidate…………………………………………………33

Option…………………………………………………33

Vision…………………………………………………19

Discounts………………………………………………19

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Documents

eApp Users Guide - United American Sheets...Help – This option is used to access the eApp Help system. About – This option is used to view version information of eApp. Technical