Model a permanent whole life need, pull a carrier-generated illustration, and catch financial underwriting limits before the case reaches the carrier.   ▶ Watch: BackNine in 5: Whole Life (5 min)

Compare underwritten and guaranteed-issue final expense in Quote & Apply, and explain the two-year graded benefit before the client applies.   ▶ Watch: BackNine in 5: Final Expense (5 min)   F

Every agent has had the client who doesn't fit the standard mold: a history of diabetes, a past cardiac event, a family history that makes underwriters squint. The instinct is to pick a carrier you kn

Take a term need from client facts to a side-by-side carrier comparison, a realistic rate class, and a digital application without leaving Quote & Apply.   ▶ Watch: BackNine in 5: Term Life (5 m

Disable Client Emails stops BackNine from emailing or texting the insured on a specific Quote & Apply website. Use it when you send your own client messages (for example through your CRM or the Quote

Michael and Thomas Connelly were brothers running Crown C Supply, a family-owned building supply company in St. Louis. Michael was the President and CEO, holding 77% of the company. Thomas owned the

Pacific Life is offering additional incentive compensation to eligible life insurance brokers who sell PL Promise Term or PL Promise GUL policies during the 2026 incentive period. Incentive Details

Allianz is reinstating their Automatic Risk-Class Upgrade Program effective September 1, and for agents actively writing IUL, this is a meaningful development. Any client who qualifies at Standard or

Starting an independent life insurance agency can be attractive because you get to build the business around your own clients, brand, marketing strategy, and carrier relationships rather than operatin

Yes. An independent insurance agent can sell life insurance online, provided the agent holds the appropriate licenses, satisfies applicable carrier and state requirements, and uses technology that su