Other debt elimination programs offered to Life Insurance Professionals rely on data taken from the client without verification.  This manually input data is often filled with errors.  Debt payments from cash values are triggered when sufficient cash value is present in the insurance contract adequate to pay the scheduled debt.  Mistakes happen when you don’t know what the debt amount really is and are relying on illustrated cash value from months or years before.  Bad data equals bad client experience and poor service.    The other systems promoted to life insurance professionals rely on estimations, Debt2Capital™ has direct API integration to the insurance carrier’s admin system to verify the cash value needed is present to pay off the scheduled debt.  The Debt2Capital™ system pulls soft credit data to update each client’s debt profile each month to ensure proper debt balances are accounted for.  No more guessing.  Debt2Capital™ goes beyond concept and uses real time data then communicates the next move to each client and to their life insurance professional via text message and email.  Debt2Capital™ is built on service keeping the business you do persistent where other systems are built to make a sale on unverified data.

If there is one thing top producing Life Insurance Professionals can agree on it’s this: Time in Underwriting is NOT your friend.  Every aspect of Debt2Capital™ was built with the insurance producer in mind.  The intuitive e-app isn’t your traditional application.  Once you enter the required data into the system: driver’s license, social security number and address – the intuitive AI driven system goes to work for you.  Finding specific information that could affect a life insurance approval, so the questions are tailored to only those relevant areas.  Healthy young applicants may have very few questions to answer before their approval.  With age and more health history the questions asked likely expands.   But in every case, the path of least resistance will be used to offer the best possibility to place the case for you and your client.  But the speed doesn’t stop there, once approved, issued and paid for, GBU compensates their agency partners and producers the very next day.  They support independent producers, as well as Field Marketing Organizations with national scope.   Their commitment to protecting their balance sheet to benefit their members extends to the intelligent structure of their reinsurance arrangements to allow Debt2Capital™ to grow to its fullest potential serving the clients of life insurance professionals, like you. No other system offers a single sign-on with data integrations to update client debts, policy values and a robust communication system to keep you, the professional, and your client informed.

Other systems offer calculator type functionality where the concept is shown on their sales system, but the insurance illustration requires another sign on with the carrier.  In the event all goes well, yet another system (like firelight or iGo) is used to take the application to then wait and see if the insurance carrier’s underwriter will approve the policy (often taking weeks or more).  Debt2Capital™ was built different.  The software developer entered into an Intellectual Property agreement with GBU, the 5th largest not-for-profit carrier in America.  The process is called Debt2Capital™ and the Life Insurance Policy, built specifically for this application, is also called Debt2Capital™.   A true joint venture built to support the agents using this fully integrated system.With this coordinated effort the system works seamlessly from the beginning of the illustration process all the way through contract placement.  GBU put in significant time, effort and resources to truly understand what Debt2Capital™ does and how it would be valuable to their member policyholders.  So, they aren’t just another insurance company willing to accept premium dollars without understanding the program that delivered those dollars..