From Sale to Issue: The Formula for Faster Approvals (Mandarin)

Submitting more applications doesn’t grow your business — placing more applications does. This training will equip you with the field underwriting discipline required to increase approval rates, reduce rejections, and accelerate the path from submission to issue. You’ll learn how to ask sharper health and lifestyle questions, identify red flags before submission, and ensure applications are completed accurately the first time. We’ll also cover how to effectively use XRAE as a pre-underwriting tool to assess risk, set proper client expectations, and determine when a case is truly ready to submit. Used correctly, XRAE helps you reduce surprises, prevent unnecessary amendments, and protect your placement ratio. Better underwriting leads to faster approvals and stronger persistency. If you want quality business and fewer setbacks, this session is essential