Smart Quoter

Real-Time Life Insurance Quotes for 88 Carriers — In Seconds.

Quote Final Expense, Term, Whole Life, and IUL across 88 top carriers. See the exact price your client will see at the carrier's portal, the specific underwriting reason any carrier declines, and your first-year commission on every row — all in one screen.

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88
Carriers
6
Product Lines
< 10s
Typical Quote
Nightly
Rates Updated

From Client Intake to Signed App in 4 Steps

Every quote follows the same path — and every output is a real-time, accurate, appointment-filtered recommendation your client can act on immediately.

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Step 01

Enter Client Profile

DOB or age, state, gender, tobacco use, desired face amount, and coverage type (FE / Term / WL / IUL). Tab or scan in seconds. The quoter prefills from any contact record in SalesPulse.

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Step 02

Add Health & Medications

Height, weight, blood pressure, cholesterol, and any health conditions or medications. Smart Quoter checks each carrier's underwriting rules against the answers in real time and shows which carriers will decline — and specifically why.

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Step 03

Review & Compare

The best rate floats to the top with your commission dollars, pay speed, and advance %. Pin 2+ carriers to see them side by side. Declines are shown in a separate panel with the actual carrier underwriting reason.

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Step 04

Send, PDF, or Start App

One tap to text or email the client, generate a branded PDF, or jump directly to the winning carrier's e-application with client info pre-filled. You get notified when the client views the quote or starts the app.

Everything You Need in a Quoter, Nothing You Don't

Stop juggling carrier portals and FMO quoting sites. Smart Quoter is the one tool that knows your appointments, your commissions, and your clients.

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Real-time from 88 Carriers

Live premium rates on every quote across 88 top carriers. No rate cards, no manual spreadsheets, no stale PDFs — always the price the carrier would quote on an application today.

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Appointment-Filtered

Only shows carriers you are actually appointed with, pre-loaded with your specific commission factor, advance percentage, and pay speed. No clutter from carriers you can't write.

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Commission on Every Quote

First-year commission in dollars shown inline on the winning rate. Know what you're earning before the pitch — calculated as your factor × annual premium.

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Decline Reasons Shown

When a carrier knocks out the client, the quoter shows why — build, age band, specific health category, or medication. Pitch the right carrier the first time instead of getting surprised at underwriting.

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All Major Life Products

Final Expense (Level / Graded / Guaranteed Issue), Term (10/15/20/30 year), Whole Life, and Indexed Universal Life in one quoter. One tool, every product line.

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Client Share That Tracks

Branded PDF, SMS, or email with a public quote link. You see when the client views it and when they click Start Application. Follow-up is triggered automatically.

Smart Quoter vs. Carrier Portals vs. Generic FMO Quoters

FeatureSmart QuoterCarrier PortalsGeneric FMO Quoter
Multi-carrier comparison✅ 88 carriers, one screen❌ One carrier only⚠️ Limited list
Real-time rates✅ Updated nightly✅ Yes⚠️ Often stale
Exact portal pricing (rate + fee)✅ Cents not rounded✅ Yes⚠️ Rounded to dollar
Underwriting decline reasons✅ Specific cause shown❌ No❌ No
Appointment-filtered✅ Only your carriers❌ N/A❌ Generic street-level
Your commission shown✅ Every quote❌ No⚠️ Street-level only
Pay-speed + advance %✅ On every quote❌ No⚠️ Sometimes
Client PDF + SMS share✅ Branded, tracked❌ No⚠️ PDF only
Saved to contact record✅ Native CRM❌ No❌ No

Frequently Asked Questions

Do the rates stay current?+
Yes. Smart Quoter pulls live rates on every quote and the carrier list is synced nightly. You will never show a client a stale rate card or out-of-date premium — the rate you see is the rate the carrier would give on the application today.
Which carriers are included?+
Smart Quoter covers 88 life insurance carriers including Mutual of Omaha, Aetna, Transamerica, Americo, Foresters, Gerber Life, Corebridge (AIG), Liberty Bankers, Royal Neighbors, American Amicable, Lincoln Heritage, and dozens more. The quoter automatically filters to the carriers you are actually appointed with so you only see what you can write.
What products can I quote?+
Smart Quoter covers the major life insurance product lines: Final Expense (Level, Graded Modified, and Guaranteed Issue), Term Life (10, 15, 20, and 30 year), Whole Life, and Indexed Universal Life (IUL). Each product type honors its own underwriting rules and face-amount ranges.
How is this different from my FMO's quoting tool?+
Most FMO quoting tools show a generic list of carriers with their gross rates. Smart Quoter filters to only the carriers you are appointed with and applies your specific commission factor, advance percentage, and pay speed for each carrier — so you see exactly what you will earn on every quote, not a generic street level. It also surfaces underwriting knockouts with specific decline reasons, so you know why a carrier declined before your client does.
Does it show me my commission?+
Yes. Every quote displays your first-year commission in dollars — calculated as your commission factor (set per carrier in your SalesPulse account) multiplied by the annual premium. You will also see the carrier's advance percentage (75%, 100%, etc.) and pay speed in days (pays 3d, pays 7d). No mental math before a pitch.
Can I send the quote to my client?+
Yes. You can generate a branded PDF, send via SMS or email, or share a public quote link. The client can open the quote on their phone and you get notified when they view it or click 'Start Application'. Quotes are persisted to the contact record in SalesPulse so you can track follow-up.
Does it knock out carriers based on health conditions?+
Yes — and it tells you why. Smart Quoter checks each carrier's underwriting rules against the client's age, build (height/weight), blood pressure, cholesterol, health conditions, and medications. Carriers that decline are shown separately with specific reasons: 'Height/weight build declined', 'Below minimum age', 'Diabetes category with insulin requires graded', etc. No more guessing which carrier will take the case.
Is Smart Quoter included with SalesPulse?+
Yes. Smart Quoter is included with every SalesPulse subscription at no additional cost. There are no per-quote fees, per-carrier fees, or API surcharges.

Quote Every Client. Close More. Earn More.

Run your first quote in under 30 seconds — see your commission, your appointed carriers, and your client's best rate in one screen.

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