Case Study: How Life Quotes is Transforming Agent Efficiency
Removing “Let me research that for you” and Delays from Agent Conversations
Using Pathwork’s AI Underwriter, Life Quotes has removed “Let me research that for you” from agent vocabulary, helping them submit applications during the first phone call.
About Life Quotes
Life Quotes provides comparative insurance quotes from 50 life insurers, helping consumers save time and money. Their agents offer impartial insurance guidance, ensuring customers receive the best possible quote.
To improve agent efficiency, Life Quotes introduced Pathwork’s AI Underwriter tool to over 50 agents, significantly reducing onboarding time and increasing agent confidence. With instant access to underwriting insights, agents can complete applications in real-time—without needing to contact carriers for underwriting questions and delay the application process for weeks.
Improving Agent Onboarding & Confidence
Pathwork’s AI Underwriter has become a cornerstone of agent training, enabling them to handle calls confidently from day one. No longer do they need to reference carrier brochures, underwriting manuals or rely on third-party underwriters. Instead, answers to any question and a complete underwriting analysis for a client are now instantly available through the Pathwork tool.
According to Michelle Zieba, Vice President of Sales at Life Quotes:
“Training time for agents has decreased, allowing them to start quoting customers quicker and with greater confidence. They have all the knowledge at their fingertips, eliminating the need to contact underwriters. Now, they can tell the customer with certainty: ‘Based on the guidelines, this is the best option for you.’”
Boosting Lead-to-Application Conversion
Previously, submitting an application could take up to seven calls—if agents could even reach the customer again. Now, agents can instantly identify the best carrier and submit applications on the first call, avoiding delays of 3–5 days waiting for carrier responses.
Zieba explains:
“Before, if we needed to contact an underwriter, it could take days to get back to the customer—sometimes we never could get a hold of the customer again. Now, our agents confidently submit applications to the carrier with the best underwriting requirements on the spot, preventing lost sales.”
Key Features Empowering Agents
Pathwork’s AI Underwriter helps agents place applications on the first call through:
Instant Underwriting Answers – Agents can type any question and receive instant, precise answers instead of sifting through lengthy carrier guidelines.
Identification of Best Carrier – After inputting customer details or uploading medical records, the tool determines the ideal carrier, reducing the need for multiple applications.
Comorbidity Consideration – Pathwork evaluates multiple risk factors, ensuring customers receive the best possible coverage.
Carrier Summary – The tool generates a digestible overview of likely coverage, allowing agents to clearly communicate details to customers.
APS Summary – Medical records are synthesized into a concise, one-page summary tailored for underwriters, expediting the submission process and ensuring customers get the right rate class.
By leveraging Pathwork’s AI Underwriter, Life Quotes has transformed agent performance—boosting confidence, reducing delays, and increasing conversion. With the right information at their fingertips, Life Quotes agents are more efficient and effective than ever before.