Life Secure FAQs
1. How and where do I go to begin selling the plans through Quotit?
A. If you are currently a contracted agent with LifeSecure, proceed to LifeSecure’s agent portal
and log in with your username and password. Once logged in to the site you can complete an
application for your client.
If you’re not currently a contracted agent Get Appointed
2. Is the appointment process 100% online?
A. Yes
3. Are there costs to be appointed?
A. No
4. How long does it take to get appointed?
A. Appointments are typically approved within 2 business days from receipt of all required
documentation.
5. What identification number do I use to receive credit for a sale?
A. You will receive a unique 6- digit writing number once appointed.
6. How soon can I begin selling plans?
A. You may begin selling LifeSecure plans as soon as you receive a confirmation email with
your agent writing number.
7. What is my commission percentage?
Are any plans Non-Commissionable? When are Commissions paid?
How will commissions be paid? Do I have to reach a minimum prior to my commissions being paid?
For all Commission Related Questions please call
Quotit Broker Services P: 844-961-9696
Hours are 6am – 5 pm PST
Enrollment & Contracts
1. How do I enroll my clients electronically?
A. Agents are to enroll clients directly on LifeSecure Agent Portal
B. Agents will need to add LifeSecure Agent portal redirect link to their Quotit Account.
Instructions for agents to add LifeSecure portal redirect link
2. How do I submit paper applications, by fax, email?
A. While paper applications are available, all applications must be data entered
electronically by the agent. Agent will need to log into LifeSecure Agent Portal and
complete the application for the client.
3. Is there an enrollment fee?
A. No enrollment Fee
4. When do members come effective?
A. Policies become effective next day. An applicant can also pick an effective date if not
using the default (issue) date as effective date as long as not on the 29th, 30th, or 31st of
the month.
5. What is the deadline for coverage?
A. No deadline for coverage.
6. What is the contact number to broker support?
A. Quotit Broker Services P: 844-961-9696
LifeSecure Agent Support P: 866-582-7702
7. How do I submit an Agent of Record form?
A. Please call LifeSecure Agent Support 866-582-7702
Eligibility for Coverage
Please Note: Answers provided are for most states, agents should refer to sample policies in LifeSecure’s agent portal to confirm information.
1. How far in advance can an effective date be?
A. An applicant can pick an effective date if not using the default (issue) date as
effective date up to 60 days in the future as long as not on the 29th, 30th, or 31st
of the month.
2. What are the valid ages of dependents?
A. Dependent Child Means Your children, stepchildren, foster or legally adopted children
who are dependent on You and are less than 26 years old and:
3. Are child only applications accepted?
A. No
4. If coverage already includes dependent children, an additional child (newborn or adopted) must still apply for coverage within 30 days to be eligible after the initial 30 days of coverage correct?
A. Dependent children born, adopted, or who become foster child after the policy effective
date are automatically covered for the first 31 days from the date of birth or placement
for adoption or foster care. If type of coverage is self + children or self +
spouse/domestic partner & children. No additional action is needed to continue
coverage beyond this period. If type of coverage is self only or self + spouse/domestic
partner coverage and applicant desire uninterrupted coverage for a newborn, adopted
or foster child, Applicant must notify LifeSecure in writing within 31 days of the child’s
birth or the moment of placement in the home for an adopted or foster child. Upon
notification, LifeSecure will amend the type of coverage and advise you of the additional
premium due. After 31 days, proof of insurability for the child will also be required. If
primary and spouse are insured by LifeSecure under separate accident insurance
policies that cover similar expenses, and both policies provide for the coverage of
newborn or newly adopted children for 31 days from the moment of birth, child will be
covered by either one, but not both of these policies.
5. What is the reinstatement rule if a policy lapses?
A. Personal Accident Insurance:
If policy lapses due to non-payment of premium, applicant may apply for reinstatement
within the same calendar ear and by paying the arrearage on the policy with a onetime
payment and paying premiums going forward.
Except as allowed under the Reinstatement provision, if policy lapses or terminates for
any reason, and applicant has submitted a claim in the previous 12-month period from
the coverage termination date, applicant cannot apply for a new accident Policy from
LifeSecure for a period of 36 months
B. Critical Illness Insurance:
If coverage is terminated due to non-payment of premiums, applicant may apply for
reinstatement by notifying LifeSecure. Applicant will be asked to complete an
application and proof of insurability by providing 3 years of medical records within one
year after the end of the grace period.
If LifeSecure approve the Application, a billing notice will be sent requesting any
overdue premium from the time of lapse.
Claims
1. When is a Surgery benefit payable?
A. Personal Accident Insurance
Treatment of an Accidental Injury by incision or manipulation. Eligible charges include all
services and expenses related to the Surgery, including but not limited to the surgeon,
assistant surgeon, second opinion, anesthesia, supplies and surgery facility charges. The
Surgery must be necessary as a result of the Accidental Injury. Surgery must be performed
in a Hospital or outpatient medical facility.
B. Not Applicable for Critical Illness
2. What expense is payable under the Ambulatory Surgical Facility Benefit?
A. Personal Accident Insurance
We will pay benefits for transportation by an Ambulance to a Hospital. This benefit is only
payable for transportation to a Hospital resulting from an Accidental Injury for which an
Initial Services benefit is payable under this Policy. This benefit is payable once per
Covered Accident per Covered Person.
B. Not Applicable for Critical Illness
3. Grace period claims, are they paid without premium or suspended?
A. There is a 31 day grace period. This means that if a premium is not paid on or before the
date it is due, it may be paid during the following 31 days. Coverage under the Policy will
remain in force during the Grace Period, unless we have been advised in writing by you
or Your Representative that you want to cancel coverage prior to the end of the Grace
Period.
4. How are claims submitted?
A. If there is a loss covered by this Policy, You must provide Us with:
• Notice of Claim; and
• completed Claim Forms; and
• Proof of Loss
Please click on link below for instructions: How To File A Claim