SUPERIOR TECHNOLOGY 

Our brand new Medicare Supplement product features True Point-of-Sale Underwriting, Instant Issue Application Approval, Live Review Underwriter Access, and Telephone Signature capabilities. These state-of-the-art technologies are all driven by our responsive eApp system and combine to create an unparalleled agent and customer experience. Our system features a built-in underwriting engine that is able to generate a decision within seconds of submission so that obtaining coverage for your clients has never been easier. Take the headache out of the application and underwriting processes with Atlantic Coast Life’s Medicare Supplement products.

INSTANT ISSUE™
APPLICATION APPROVAL

Open Enrollment applications are processed and approved instantly.

TRUE POINT-OF-SALE™
UNDERWRITING

Underwriting decisions are truly made at the point of sale.

LIVE REVIEW™
UNDERWRITER ACCESS

Speak with an underwriter anytime during business hours.

TELEPHONE SIGNATURE
CAPABILITIES

Sign the application 24/7 with telephone signature capabilities.

Responsive eApplication

A state-of-the-art underwriting engine delivers a fast and seamless application process that is transforming the agent and customer experience. Watch the video above to see how easy and convenient it is to use our E-APPLICATION!
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Instant Issue™ Application | True Point-Of-Sale™ Underwriting

Our True Point-of-Sale™ Underwriting engine combines with the powerful FireLight™ eApp platform to create an underwriting experience that truly happens at the point-of-sale. Underwriting decisions are generated within seconds of submission.
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Live Review™ Underwriter Access

In the event an application requires further review upon submission, Live Review™ Underwriter Access allows you to call and speak directly with an underwriter to complete the underwriting process.
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Electronic Signature™ Capabilities

Our Electronic Signature™ Capability is designed with flexibility in mind. Whether you meet your client face-to-face or over the phone quickly and easily complete the application process within minutes.
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Telephone Signature™ Capabilites

We understand it isn’t always possible to complete the application process face-to-face with your clients. Instead of driving long distances to meet clients or mailing the completed application back and forth to collect signature(s), you can simply call into our toll-free line 24/7 to complete the application process with your client, right at the point of sale.
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THE NUMBERS DONT LIE

The percentages represented are year-to-date and includes submitted, signed, and issued

Since launching our Medicare Supplement product in February 2019, Atlantic Coast Life Insurance Company continues to grow. And we are committed to maintaining our high levels of service and providing a second-to-none customer experience.

UW Business Issued
78
Total Issue Rate
81
Apps Submitted by E-App
87

FROM OUR AGENTS

With the current success of Atlantic Coast Life it only makes sense that our agents are saying great things about the program!

Tina Herring

I love the online application process. ACL has to be the fastest company for processing business I have ever seen and customer service is amazing! Wonderful Company!

Tina H.
Virginia Agent

Melissa Helmick

The company has exceptional premiums. Solid foundation in business to be able to bring to their policyholders.

Melissa H.
Virginia Agent

Taylor Thomas

I appreciate the height and weight chart when compared to other carriers whose charts are more strict. I also appreciate the bonus that you currently have running.

Taylor T.
Illinois Agent

Miranda Hapner

I love dealing with Atlantic Coast Life– from very competitive rates to stellar customer service, they are a win every time for myself as an agent and for my clients.

Miranda H.
Illinois Agent

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States with Plan F

*The above map represents the states that are currently selling Plan F as of 9/20/21.

In Good Order (IGO) Open Enrollment applications are processed and approved instantly. The policy then becomes active once the initial premium is received and is in-force. Save time and simplify the application process for you and your Medicare Supplement clients in Open Enrollment with Instant Issue™ Application Approval.

Our True Point-of-Sale™ Underwriting engine combined with the powerful FireLight™ eApp platform to create an underwriting experience that truly happens at the point-of-sale. Underwriting decisions are generated within seconds of submission, and applications that meet underwriting requirements are approved instantly! Save time and eliminate headaches for you and your Medicare Supplement clients with True Point-of-Sale™ Underwriting.

In the event an application requires further review upon submission, Live Review™ Underwriter Access allows you to call and speak directly with an underwriter to complete the underwriting process, Monday through Friday, 7 a.m. to 5 p.m. MT. An underwriter will determine the applicant’s eligibility status over the phone and if approved will give the applicant their policy number.

We understand it isn’t always possible to complete the application process face-to-face with your clients. Instead of driving long distances to meet clients or mailing the completed application back and forth to collect signature(s), you can simply call into our toll-free line 24/7 to complete the application signature process with your client, right at the point of sale.