Innovative Applications

T65 APP

At ASPECT Management, we understand that reaching the Medicare audience right at the time of eligibility can make all the difference. That’s why we use a T65 app that is both easy-to-use and is available at your fingertips. It even allows you to get full contact details and quickly map prospects before appointments.

T65 LOGIN

MedicareCENTER

ASPECT Management agents have access to Integrity’s MedicareCENTER. This integrated platform makes it easier for agents to increase enrollments and better serve their clients. By integrating Medicare resources with data science insights, proprietary CRM, and online training — and offering it all in one place — we’ve created an easier, more powerful quoting and enrollment tool. Contact us to gain access or click the button below to login.

MedicareCENTER

LeadCENTER

ASPECT Management agents have access to Integrity’s LeadCENTER. A nationwide high-quality leads platform, including live local leads sent directly to agents. LeadCENTER makes the challenge of finding high-quality leads simpler for you to do more business.

LeadCENTER

LifeCENTER

ASPECT Management agents have access to Integrity’s LifeCENTER. Built by industry experts, LifeCENTER provides everything agents need to manage their business and save time doing so, including access to best-in-class features like:

  • Ask Integrity™: The first-in-the-industry AI-powered digital assistant
  • Quote & eApp: Seamlessly submit applications directly from client records
  • Client and Policy Management: A dashboard with at-a-glance client tracking
  • LeadCENTER Integration: Check in, manage and work leads 
  • Integrity for Agents Mobile App: Work when and how you want
LifeCENTER

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A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.