From the first question to an enrolled client
One guided path, four steps, and the same shape whether you are writing a final expense policy, a Medicare Advantage plan, or both on the same visit.
Four steps, one session
The old way was three tools and two appointments. This is the same job, done once, in the order a conversation actually happens.
1. Intake
Talk to the client. The record builds itself as you go.
2. Quote
Eligibility, network, drug cost, and underwriting applied before plans appear.
3. Recommend
Ranked results with the reasoning attached to each one.
4. Enroll
Pre-filled carrier forms, signed the way the client prefers.
Solved Enroll is in private beta. The workflow below is what beta agencies are running today, ahead of a 2027 public rollout. Join the waitlist for the next cohort.
What happens at each step
What the agent does, and what the platform is doing behind it while the conversation carries on.
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1
Intake
You talk. The client reads medications off the bottles, names the doctor they have seen for fifteen years, says what they are worried about and roughly what they can pay. You type what they say, in the order they say it, instead of marching them through a form that wants the fields in a different sequence.
- Medications and conditions resolve from partial spellings, brand names, and abbreviations against a library of 200,000+ entries.
- Each entry is normalized into the term carrier rules are written against, with dose and frequency captured, not just a drug name.
- Carriers drop out of contention as the answers come in, so the remaining questions get fewer rather than more.
- The household is one record: spouse, dependents, address, county, and the effective dates that drive availability.
- Everything partial-saves, so the case survives the drive home and picks up on the next device you open.
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2
Quote
You pick the line of business, or both, and set the budget or the coverage target the client just told you. You do not look anything up, and you do not open a carrier PDF. By the time the list renders, everything on it is something the client can actually take.
- Medicare entitlement, current enrollment, and the election period in force today are checked before pricing anything.
- The doctors and pharmacy the client named are matched plan by plan, rather than assumed from the county.
- The real medication list is priced through the deductible, initial coverage, and catastrophic phases at their pharmacy.
- Encoded, versioned carrier underwriting rules remove life products that cannot issue on this health profile.
- Ancillary effective dates are reconciled against the medical plan so the client does not open a gap.
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3
Recommend
You turn the screen around. The recommendation is already made and the reasoning is on it, so the conversation is about whether the reasoning matches what the client cares about, rather than about reading a spreadsheet out loud.
- The AI Plan Recommender returns ranked results with a score and the factors behind it: network fit, drug cost, underwriting class, budget, and stated need.
- The client-facing comparison hides internal fields and shows the two to four plans that are genuinely in play.
- A leave-behind summary of exactly what was compared can be generated for the client and for the file.
- Which plans were presented, and in what order, is recorded as it happens.
- Rankings are deterministic, so the same profile produces the same result and the case can be reconstructed months later.
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4
Enroll
You hand over the tablet or text the link. Nothing is retyped between the recommendation and the signature, because the application was built from the quote that produced it.
- The carrier-approved form for the chosen plan is pre-filled from the record.
- Scope of Appointment was captured and timestamped before the sales conversation and is already on the case.
- Required CMS disclosures are presented and acknowledged at the point the rules call for them.
- Signature arrives by texted link, in-person tablet, or emailed packet, with partial-save if the client stops.
- Submission is tracked through carrier acknowledgement, and the case file is ready to export as one document.
The enrollment step is covered in depth on the enrollment and e-signature page, and the ranking engine on the AI Plan Recommender page.
What the AI handles for you
While you stay in the conversation, the platform does the research that used to happen between appointments.
On life cases
- Medication and condition resolution. Spoken, abbreviated, and misspelled entries are matched to the real drug or diagnosis and mapped to the terms carrier rules use, so a client saying “the little white blood thinner” still lands somewhere useful.
- Underwriting rule evaluation. Height and weight tables, lookback windows, medication knockouts, and build charts across 50+ carriers are evaluated against the profile, versioned so you can tell which rule set a past case ran against.
- Product elimination. Anything the profile disqualifies is removed before the quote, with the rule that removed it named. You never present something that was never going to issue, which is where declines and chargebacks come from.
- Build-to-budget. Start from the monthly premium the client says they can pay and work back to the face amount, the product type, and the carrier that fits it.
On Medicare cases
- Eligibility and election period. Entitlement, current enrollment, and which election period the client is in today, checked first, so the plan you quote is one they can actually elect right now.
- Provider network verification. The specific doctors and facilities the client named are checked against each plan network, plan by plan, instead of a county-level assumption that falls apart in January.
- Drug cost modeling across phases. Their actual list priced through the deductible, initial coverage, and catastrophic phases, with tier placement, prior authorization, step therapy, quantity limits, and preferred, standard, or mail-order pricing at their pharmacy.
- Plan ranking. MAPD, PDP, SNP, and Medicare Supplement options across 110+ carriers, ranked with the factors shown, so the recommendation survives both the client’s questions and a later review.
Visibility from quote to enrollment
Every quote and every enrollment writes its own event, so agencies and IMOs see the week as it happens rather than as it gets reported.
Performance tracking
Quote-to-enroll conversion by agent, product, carrier, state, and week, with the funnel behind it: intake started, quoted, recommended, submitted, issued. Drill from a rate to the cases that produced it.
Faster onboarding
A new agent follows the same guided path a veteran does, and the platform supplies the underwriting knowledge that usually takes a selling season to absorb. Managers can see who is ready for live cases.
Fewer declines and chargebacks
Accurate pre-qualification means fewer applications that were never going to issue, and fewer first-year cancellations from a plan that did not cover the client’s doctor or drug list.
The full set of hierarchy, dashboard, and export controls is on the agencies and IMOs page.
Being straight about it
What this looks like during beta
The workflow above is real and beta agencies are running cases through it. Some of what surrounds it is still smaller than it will be, and it is better that you hear that here than find it out in an appointment.
- Cohort onboarding, not self-service signup. Agencies join a group at a time and get walked through their first live cases, because we would rather be present when something does not fit than read about it later.
- A smaller live carrier list. At general availability the targets are 110+ Medicare carriers, 50+ life carriers, and 20+ ancillary carriers. Today it is a subset, expanded cohort by cohort and prioritized by what the agencies in the beta actually write.
- Feedback reaches the people building it. There is no ticket queue between a beta agency and the team writing the code. A rule that is wrong for a carrier you write gets looked at by the person who encoded it.
- Beta access is free, and pricing is locked. Agencies in a cohort pay nothing during beta and lock in preferred rates at general availability in 2027.
FAQs
Questions about the workflow
Does the workflow change between a Medicare case and a life case?
The four steps are the same and the client record is the same. What changes is the work underneath. On a life case the platform is evaluating carrier underwriting rules against the health profile. On a Medicare case it is checking eligibility and election period, matching providers, and modeling drug costs. The agent asks the same kind of questions either way, which is the point of running one workflow.
Do I have to start over if the client stops partway through?
No. Intake, the quote, and the application all partial-save against the client record. A case interrupted by a phone call, a grandchild, or a second appointment three days later resumes at the same place, on whatever device you are holding.
What does the platform do that I used to do by hand?
Looking up whether a carrier will take a client on a particular medication, checking whether a doctor is in a plan network, adding up what a drug list actually costs across the deductible and gap phases, and re-typing the same answers into an application. Those are the four things that make a case take two appointments instead of one.
Do I need to be appointed with a carrier to quote it?
You only see carriers and products you are appointed to sell, in the states you are licensed in. That keeps a new agent from presenting something they cannot write, and it keeps a quote from becoming a contracting problem after the client has already said yes.
How long does a full case take?
That depends on the client, the number of medications, and how many plans they want to see. What the workflow removes is the research time between the questions and the recommendation, and the re-keying time between the recommendation and the signature. Beta agencies are the ones measuring this with us during a real selling season, and we would rather report their numbers than guess at them now.
What is different about the workflow during beta?
The steps are the same. The live carrier list is smaller than it will be at general availability and grows with each cohort, prioritized by what the agencies in the beta actually write. Onboarding happens in groups rather than self-service signup, so each agency gets walked through its first real cases.
Something else? Contact us
Run one of your own cases through it.
Join the waitlist for the next cohort, or book a walkthrough and we will take a case you already know end to end.