Processes

A core value of ours is consistency. We want to give our clients the same customer experience every time, regardless of who they are speaking with. We accomplish this by following the process. Follow the process every time.

Find Your Process Below

Heritage Service

Heritage Sales

Uno Sales

Heritage Service

Heritage Sales

  1. Begin proposal. Be sure to add life insurance under the optional coverages section of the proposal. 
    • Use the life insurance look-up table here to get the monthly premium.  RA Proposal
  2. Finish proposal. 
  3. Download pdf for each line of business quoted, including the premium pdf.  
  4. Combine all pdf’s into 1, include the premium pdf as the last page.  
    • You can go here to do that.  
  5. Edit the pdf premium page 
    • Under “optional coverages” change “premium” to read “Monthly Premium” 
    • Change “company” to read “coverage amount” 
    • See an example here 
  6. Email proposal to prospect in AZ 
    • Use template called Sending Proposals – Heritage
    • Attach pdf with quotes 
    • Send email 
    • Make notes in AZ 

When their limits aren’t high enough for an umbrella, we still send the umbrella quote. We just send two quotes: 

  1. One that is the normal auto and home & life (at lower limits they requested).  
    • Save this pdf as “Requested Quotes”.
  2. Another one that has auto, home, umbrella & life (with limits that umbrella requires).  
    • Save this pdf as “Recommend Quotes”  
  •  

When adding second proposal in RA, make the following notes under each line: 

Home:  

In this quote, I've adjusted your liability limit to $500,000. This quote includes an umbrella policy. In order to qualify for an umbrella policy, your limit of liability on your home must be $500,000 or higher. 

 Auto:  

In this quote, I've adjusted your liability limits to $250,000/$500,000. This quote includes an umbrella policy. In order to qualify for an umbrella policy, your limits of liability on your auto policy must be $250,000/$500,000 or higher. 

Umbrella:  

Umbrella policies are something we always recommend. They offer coverage above your normal liability limits on your auto and home policies. For the limited price, the added coverage and protection is well worth it. Please reach out if you want to discuss umbrella insurance more. 

When sending the proposal in AZ, use the following template:  

Sending Proposals With Umbrella Option - Heritage 

Times we don’t send out a proposal with RA 

  • Commercial 
  • Non-owned 
  • Existing Client 
  • Recreational vehicles 
  • Mobile homes 

***When we don’t send an RA quote, we still always include 3 lines***

Life Quote

When you send a life quote by itself, use the below template and attach it to the email: 

Life Proposal.pdf 

Use the life insurance look-up table here to get the monthly premium.  

Other lines

Use this document to include other lines (such as home) when you can't produce an RA quote. 

Quote Template

 

We send a life insurance quote with every quote we send. When we send an RA proposal, we include the life quote there (see "Preparing RA Quote Proposal" process). 

When we don't send an RA proposal, we use a stand alone quote form. 

When you send a life quote by itself, use the below template and attach it to the email: 

Life Proposal.pdf 

Use the life insurance look-up table here to get the monthly. premium.  

Estimated monthly premiums for a 20-year term policy with a face value of $250,000: 

For a Male: 

  • Age 20-30: $20 
  • Age 31-40: $25 
  • Age 41-50: $60 
  • Age 51-60: $140 
  • Age 60-70: $300 

For a Female: 

  • Age 20-30: $15 
  • Age 31-40: $20 
  • Age 41-50: $45 
  • Age 51-60: $110 
  • Age 60-70: $250 

Use this form with RA doesn't work. 

Heritage's Quote Proposal

Uno Sales

  1. Begin proposal. Be sure to add life insurance under the optional coverages section of the proposal. 
    • Use the life insurance look-up table here to get the monthly premium.  RA Proposal
  2. Finish proposal. 
  3. Download pdf for each line of business quoted, including the premium pdf.  
  4. Combine all pdf’s into 1, include the premium pdf as the last page.  
    • You can go here to do that.  
  5. Edit the pdf premium page 
    • Under “optional coverages” change “premium” to read “Monthly Premium” 
    • Change “company” to read “coverage amount” 
    • See an example here 
  6. Email proposal to prospect in AZ 
    • Use template called Sending Proposals – Uno 
    • Attach pdf with quotes 
    • Send email 
    • Make notes in AZ 

Times we don’t send out a proposal with RA 

  • Commercial 
  • Non-owned 
  • Existing Client 
  • Recreational vehicles 
  • Mobile homes 

***When we don’t send an RA quote, we still always include 3 lines***

Life Quote

When you send a life quote by itself, use the below template and attach it to the email: 

Life Proposal.pdf 

Use the life insurance look-up table here to get the monthly premium.  

Other lines

Use this document to include other lines (such as home) when you can't produce an RA quote. 

Quote Template

We send a life insurance quote with every quote we send. When we send an RA proposal, we include the life quote there (see "Preparing RA Quote Proposal" process). 

When we don't send an RA proposal, we use a stand alone quote form. 

When you send a life quote by itself, use the below template and attach it to the email: 

Life Proposal.pdf 

Use the life insurance look-up table here to get the monthly

Estimated monthly premiums for a 20-year term policy with a face value of $250,000: 

For a Male: 

  • Age 20-30: $20 
  • Age 31-40: $25 
  • Age 41-50: $60 
  • Age 51-60: $140 
  • Age 60-70: $300 

For a Female: 

  • Age 20-30: $15 
  • Age 31-40: $20 
  • Age 41-50: $45 
  • Age 51-60: $110 
  • Age 60-70: $250 

Use this form with RA doesn't work. 

Uno's Quote Proposal