Critical Illness Virtual Enrollments

To Quote & Enroll On-line, Ensure that the below is Completed First.

Appointment Paperwork Submitted (Issued in 7-10 Business Days). Registered and/or Received Virtual Enrollments links.

*Please Note*

Individual CBS Writing Number is Not Required to Get Started. Writing Number is generated upon approval of first business.

Need Help?

Contact Us For Assistance – 1-888-455-7462

E-mail – Leo@cbsinsurance.net

Agents Register for Individual Set of Enrollment Links. Virtual links Should Be Utilized On ALL On-line C.I. Apps.

LINK 1/STEP1 – For Quotes & Initial App: www.agentusername.virtualinsurance.net

LINK 2/STEP2 – For App Completion & Upload: www.agentusername.virtualinsurance.net/admin

Virtual Links are Utilized For Business Submission ONLY.

For Policy/Commission Tracking, Contact CBS 1-888-455-7462

Always Utilize VirtualInsurance.net

All Apps Start Here. Utilize Personal Link - www.agentusername.virtualinsurance.net

Quote Site Landing Page

Preparing A Quote

Be Precise – Accuracy Counts! Legal Names Only. E-mail IS Necessary. Select Correct State. 12 MO Tobacco Look Back. (Applies to

all Proposed Insureds) Face Amount – Even Face Amount. Money Purchase – Even Dollar

Amount. Face Amount Cannot Exceed 5X

Household Income. If No Income - $20 Max Premium.

Non-Med Limits – 18-50: $125K – 50+: $100K

*Note* List Bill requires Paper App – At least 3 to a group. Contact CBS for Help!

Summary of Benefits

Face Amounts are Fixed for Spouse & Child Riders.

Click To Continue.

Proposed Insured Page

COMPLETE ALL FIELDS! Social Security Required. Physical Address Required - No P.O. Box! Citizenship Y/N Question Must Be Answered. State/Country of Birth Required. Beneficiary Required – If None Available –

Type ‘ESTATE ESTATE’ As First & Last Name.

If Client is a U.S. Permanent Resident:Contact CBS For Non-Citizen Instructions

1-888-455-7462

Non-Permanent Residents/Work Visa Residents Cannot Be Covered

Plan Information – Family Rider Page

Select Method of Payment - Follow Prompts.

If Payer Applies – Complete Fields. If Adding Family – CLICK C.C.F.R.! Complete ALL Additional Insured Fields

When Adding Family. Additional Benefit Rider – ALWAYS NO! 2 Auto Premium Loan/Withdrawal

Questions - ALWAYS NO!

Medical Questions

Questions 1-8 Apply to ALL Proposed Insureds.

Tobacco question must correspond to how app was quoted.

Family History question applies to IMMEDIATE FAMILY (Mother, Father, Sibling) Diagnosed BEFORE age 60.

Yes Answers – DETAILS! Who Was Diagnosed? What Condition? Date of Diagnosis? Medications? Dr. Contact Info.

Method of Payment

Only Monthly Pay On-line – Other Pay Methods (I.E. Quarterly, Annual, etc.) Require Paper Apps. Contact CBS for info.

Payable via Monthly ACH Bank Draft or Credit Card. (VISA & MC ONLY for CC.)

Credit Cards are Charged Immediately! Processing Credit Card Payments – Click

‘Pay Now’ ONCE! – Multiple Clicks = Multiple Charges!

If Payer Applies for ACH – Select & Follow Prompts.

ACH Bank Draft Allows Choice in Draft Date between 1-28 of Month. Date indicated becomes the set draft day for future months. First Debit Can be Postdated Up to 30 Days.

If No ACH Date Selected – Drafts On Approval.

Payment Can Be Bypassed and Completed Later Via Virtual Back Office.

Application Disclosures

Scroll Through & Continue When Ready.

City & State must match Client’s Residency & State Selected on Quote Page

Client E-Signature

Agent Cannot Sign For Client! Client must be Present or on Screen

Sharing Program. If Screen Sharing – Program Must Allow

Option To Hand Over Controls! If Not – E-mail for Signature.

Signature Can be Bypassed & Collected from Virtual Back Office by sending E-mail to Client.

Client will review information and Click ‘Sign’ to apply E-Signature & Continue.

Step 1 of 2 Complete – Proceed to Back Office.

App is Not Complete - Always Proceed to Back Office After This Page!

App Still Requires Agent Signature & Upload to Underwriters.

Click to Access Virtual Back Office – OR – Exit and Type virtualinsurance.net/admin link.

If Client E-Signature was skipped – Back Office Steps will help collect the signature via E-mail to Client.

Step 2 of 2 – Virtual Back Office

Back Office is Accessed via Agent’s Link 2 - www.agentusername.virtualinsurance.net/admin

Steps to Complete Click – List Policies Click – Clients Name Follow Instructions – Repeat Until

UPLOAD!

List Policies Page

Status Legend

“C”: Client Signed “A”: Agent Signed “U”: Uploaded to CBL “$”: Client paid by

credit card “P”: Payer Signed (If

Applicable)

Steps to Complete Click – List Policies Click – Clients Name Follow Instructions – Repeat Until UPLOAD!

Back Office Client Page

ALWAYS Comply With Green Sentence Instruction! It’s there to HELP!

Steps to Complete Click – List Policies Click – Clients Name Follow Green Sentence Instructions – REPEAT Until UPLOAD!

App Review & Agent Report

Review app, click ‘Next’ to proceed. Do this until Agent Report Page Appears.

Complete Agent Report Accordingly – Answers do NOT affect Underwriting – For Home Office Use Only.

From Agent Report, continue until Back Office Home Page.

Back Office E-Signature

Steps to Complete Click – List Policies Click – Clients Name Follow Green Sentence Instructions –

REPEAT Until UPLOAD!

Agent/Client/Payer Can All Apply E-Signature Through Repetition of This Step.

Final Step – UPLOAD!

Steps to Complete Click – List Policies Click – Clients Name Follow Green Sentence Instructions

– REPEAT Until UPLOAD!

Once All Requirements are met, Green Sentence is replaced By UPLOAD to CBL Button – CLICK TO UPLOAD APP TO UNDERWRITERS!

APP IS INCOMPLETE UNTIL UPLOADED!

CONGRATULATIONS! App is Complete!

Avoid Common Errors!

Errors = Amendments. Amendments can lead to N.T.O.N.T.O. = CHARGEBACKS!

Select Correct State on Quote Screen. Tobacco Question – Applies to ALL

Proposed Insured’s – 12 MO Look back. Provide Complete PHYSICAL Address –

P.O. Box Not Acceptable. Verify SSN – Input Accurately! State/Country of Birth MUST be

Answered. If born outside of U.S. Indicate COUNTRY/NOT CONTINENT!

ACH Draft Date – Can Postdate up to 30 Days, between 1-28 of Month.

Provide Beneficiary – If None Available – Type: ESTATE ESTATE as First/Last Name.

Adding Family Rider? MUST CHECK C.C.F.R. Box to Provide Additional Proposed Insureds.

Medical Questions Yes Answers Require DETAILS: Who is answering Yes, What Condition, Date of Diagnosis, Medications, Dr. Contact info.

Credit Cards – Click Pay Now ONCE!

Thank You – Good Selling!

Questions? We’re Here to Help!

CBS Insurance - Agent ServicesP.O. Box 50145 Phoenix, AZ 85076

Toll Free: 1-888-455-7462Fax: 480-706-4507

Leo D. Barrera – Marketing Director – Leo@cbsinsurance.netLaurie Lunsford – Office Manager – Laurie@cbsinsurance.net

Dearborn National (Client Services) – 1-800-367-7814