Because of the high volume
of transactions for Life policies, there is an extraordinary capacity for obtaining multiple quotes from consumer portals,
from on-line wholesalers, from large agencies, and from the carrier portals
themselves. The workflow diagram on this page shows a Life policy submission via a wholesaler who acts as the agent as
well assisting in the completion of the APP and the subsequent coordination of medical information.
While the quoting side of the transaction is very automated, the back side with the requirement for APP and final
policy signatures adds a document dimension to the workflow which still can take weeks to complete due primarily to the
delay time in assembling medical records.