No Medical Exam, Instant Pre-Approval
Afficiency eliminates the barriers that have traditionally made life insurance difficult for financial advisors to offer. Our platform requires no medical exams, no lab work, and no Attending Physician Statements. Clients answer a few straightforward health questions and receive an instant pre-approval decision.
This streamlined approach means you can discuss life insurance as part of a comprehensive financial planning conversation and have your client covered before they leave the meeting. No more weeks-long underwriting delays that kill momentum and reduce conversion rates.
For advisors who want to offer life insurance as part of a holistic financial plan but have been deterred by the complexity of traditional processes, Afficiency provides the answer. Our products range from basic term life coverage for income replacement to permanent whole life and indexed universal life products that can play a role in retirement planning and estate strategies.
100% Digital Platform
Afficiency's platform is designed for the modern financial advisory practice. Whether you work with clients in person, virtually, or through a hybrid model, our digital platform supports your workflow. Clients can complete the entire application process on any device, at any time.
The platform supports multiple integration options -- from a standalone branded portal that you share with clients to full API integration with your existing financial planning tools and CRM systems. You choose the approach that fits your practice, and we provide the technology to make it work.
Advisor Platform Features
Everything financial advisors need to offer life insurance as part of a comprehensive financial plan.
100% Digital
Fully digital experience from quote to policy issue to ongoing administration. Your clients complete everything online, whether in your office or on their own time. No paper, no hassle.
API Integration
Connect Afficiency's platform to your existing financial planning tools, CRM, and client portal through our comprehensive RESTful API suite. Seamlessly incorporate insurance into your advisory workflow.
Application Process
Simplified applications that take minutes, not hours. A few straightforward questions replace the traditional lengthy applications, keeping the focus on the financial planning conversation.
No Medical Exam
No medical exams, lab work, or physician statements required. Our advanced risk screening technology enables instant decisions, eliminating the barriers that have traditionally slowed life insurance sales.
Instant Decision
Real-time underwriting decisions delivered in seconds. Your client can walk out of a planning meeting with coverage in place, making life insurance an actionable part of every financial plan.
Storefront Branding
White-labeled portal customized with your advisory firm's branding. Clients experience insurance as a seamless extension of your financial planning services, reinforcing your trusted advisor relationship.
Add Life Insurance to Your Advisory Practice
Complete your financial planning offering with Afficiency's digital life insurance platform. Give your clients the protection they need, instantly and without complexity.
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