VitalSales Suite- Online Insurance Sales Tools compare product rates and features from multiple companies side by side and then generate reports.

Carrier Ratings - VitalSigns

VitalSigns provides carrier financials and ratings for 500 insurance companies. VitalSigns quickly and reliably qualifies a carrier's financial strength in a variety of easy-to-understand reports.

  • Reliable Data - VitalSigns uses yearly financials reported to the NAIC and ratings from the 5 leading ratings services with a Comdex ranking helps interpret the ratings.
  • Time-Savings Features - VitalSigns aggregates all the ratings and financial data and creates a report showing a carrier's financial strength - saving you time and creating more sales.
  • Variety of Report Types - VitalSigns presents data in a variety of formats, so you can choose the level of detail that's right for your client.

Quoting Tools

Compare product rates and features from multiple companies side by side.

  • Term Life - VitalTerm is the industry's leading term insurance comparison and quoting system. It offers an extensive database of products, flexible technology and a high level of service and customization.
  • Universal Life - VitalUL compares guaranteed to 100 (or similar) universal life products and displays several policy features from surrender charges to all available riders.
  • Long-Term Care - VitalLTC is a long-term care quotes and feature comparison system. This tool is flexible enough to accurately compare each product's rates and unique features.
  • Annuity - VitalAnnuity compares fixed annuity quotes and information, quickly sorting through rates and options to help you find the right policy.

Insurance Forms

A web-based single repository of up-to-date forms for the leading carriers.

  • Extensive Database
    • Forms for the leading insurance carriers
    • Lines of business - Life, LTC, Annuity, and Disability
    • New and Replacement forms
    • Licensing and contracting forms
  • Access Forms 2 Ways
    • Directly from VitalSales Suite quoting tools
    • Search collection to locate specific forms

VitalSigns

Reliable Data | Time-Savings Feature | A Variety of Report Types

Reliable Data

VitalSigns uses yearly financials reported to the NAIC and ratings from the 5 leading ratings services with a Comdex ranking helps interpret the ratings.

Year-End Financial Data

Each year, insurance companies are required to report annual statements to the government. This data is used to monitor the financial health of insurers and protect the interests of consumers. VitalSigns provides this data, for 500 companies. These statements, filed in March, contain data for the previous year. VitalSigns releases new financials each spring.

Ratings

Independent ratings services do in-depth research evaluating carriers based on a variety of financial and operating criteria. VitalSigns uses the top ratings services - A.M. Best, Standard & Poor's, Moody's, Fitch, and Weiss. VitalSigns updates ratings twice monthly. VitalSigns Help includes explanations for each rating and a chart that compares the ratings by each service. An AM Best A+ is very different from a Standard & Poor's A+.

The Comdex

The Comdex is not a rating, but a composite of all the ratings a company has received. It ranks companies on a scale of 1 to 100, showing you at a glance where a company is ranked among all rated insurers. The Comdex is only available in VitalSigns.

Time-Savings Feature

VitalSigns aggregates all the ratings and financial data and creates a report showing a carrier's financial strength - saving you time and creating more sales.

Choosing the Right Carrier is Easy

A life insurance policy is only as good as the carrier behind it. VitalSigns makes it quick and easy to show your client you've researched the carrier you're recommending.

Easy as 1,2,3 - Just choose the carrier, choose a few options and view your report. All the work of collecting the data and ratings, keeping them current and turning them into sales presentations has been done for you.

Shortcuts/Aids

  • Comdex - Our exclusive composite index, the Comdex, gives you a quick summary of a carrier's ratings and shows you how they stack up.
  • Numerical Equivalent - A number in parenthesis next to each rating quickly tells you where that rating fits on the scale for that rating service. A+ (2) tells you this is the second best rating for AM Best.
  • Ratings Chart - A ratings chart compares the ratings for each rating service, so you can quickly compare.
  • Glossary - A printable glossary defines each insurance term.

A Variety of Report Types

VitalSigns offers a variety of reports for all levels of users making it powerful enough for you and simple enough for your client. Reports are formatted as side-by-side ledgers, graphs and lists. A Glossary report is also available to include with each report package.

Compare Carriers - Compare up to 8 carriers. Includes Profile and Analysis.

  • Profile - Single-page report. Side-by-side comparison of up to 8 carriers. Includes ratings, Comdex and basic financial data. View Sample Report.
  • Analysis - Four-page report. In-depth, side-by-side comparison of up to 8 carriers. Includes ratings, Comdex and extensive financial data. View Sample Report.

Focus on One Carrier - Take a closer look at the ratings and/or financials for one carrier. Includes Company Snapshot and Ratings.

  • Company Snapshot - Single-page report. Quick look at one company using both text and graphs. Includes ratings, Comdex and basic financial data. View Sample Report.
  • Ratings Report - Single-page report. Defines each rating for one carrier. Uses the narratives written by the ratings services, so you see AM Best's definition of an A+. View Sample Report.

Focus on Financial Criteria - Sort the entire VitalSigns company list by one criteria. Includes Custom Sort and Company Selector or show that data graphically with the Single or Multiple Company Graphs.

  • Custom Sort - Multiple-page report. Sort the whole database of carriers to see how companies stack-up. Choose from 50 sort categories. View Sample Report.
  • Company Selector - Multiple-page report. Create a list of companies based on a set of criteria you create. You may want a list of all the companies with an S&P rating of AA and assets greater than 300 million. View Sample Report.
  • Single Company Graph - Single-page report. Graphically Illustrate one financial criteria for one company. View Sample Report.
  • Multiple Company Graph - Single-page report. Graphically Illustrate financial data for one or several companies. View Sample Report.

VitalTerm

The industry's leading term insurance comparison and quoting system - VitalTerm is an accurate, reliable and flexible term insurance comparison and information system.

All the Products You Need

Compare over 500 of the industry's most popular products. View the Carrier List

Agent Time-Saving Features

Side-by-side comparisons, detailed product info, printable PDF's are just a few of the time-saving features that make it quick and easy for agents to find the right product.

  • Side-by-Side Comparisons - Agents can compare product quotes or product features on one page - to quickly see how the products stack up. View Quote Comparison, View Feature Comparison.
  • Compliant Ledgers - link directly into Winflex to view/print compliant ledger with one click - must have Winflex subscription.
  • Integrated Forms - get the right forms packaged together with one click - available for a minimal cost.
  • Professional Report Package - save, print or email business quality PDF reports. View Sample Report
  • Detailed Product and Company Information -View Sample
  • Underwriting Tools - carrier-specific underwriting guidelines, plus Help-Me-Classify simplifies tobacco classes.
  • Easy Quote - a quick comparison with minimal input. View Input Screen
  • Filter Products Easily - filter by Guaranteed Level Period, Return of Premium, Carrier Ratings and more.
  • Life Needs Calculator - Quickly assess clients' needs

Consumer Website Term Quotes

VitalTerm Classic is a dynamic term quote and information system, which can be completely customized to match your corporate website. Or, use our template to skip the designing task and get your site up and running today!

  • Fully Customizable - Customization and Pricing Options
  • Complete Product Control - view all products or just the ones you prefer to sell.
  • Pre-Application Available - save work and time by pre-screening clients. Through our pre-application process a consumer's health status, individual information and policy details are captured and sent back to you via email through our secure web-service! This allows you to prescreen applicants, gather pertinent information and contact unknown clients before sending an application.
  • Template Based - don't want to design your own? Use our pre designed template. View Fully Customized Template

Current and Reliable Data

  • Data Directly from Carriers - EbixExchange obtains and verifies data directly from the carriers . We will not include a carrier in VitalTerm unless they agree to update their data. This ensures that the information is not only accurate but also current.
  • The Web Means No Updating - Because VitalTerm is web-based, updates are instant and effortless. Carrier updates are added the same day we receive them. All updates are automatic, never requiring you to download or install new software when products are added and updated. You're always using the most current!

VitalUL

VitalUL Universal Life Comparison System

VitalUL compares guaranteed to 100 (or similar) universal life products, displaying premiums and detailed policy features including surrender charges and all available riders.

Compare Industry's Leading Carriers

A comprehensive list of the industry's top carriers and products. View the Carrier/Product List.

Time-Saving Features

Side-by-side comparisons of premiums and policy features, detailed product info and printable PDF's make it easy to find the right product.

  • Side-by-Side Comparisons - Premium and policy feature comparisons - so you can evaluate which product is best for your client. Premiums for two sequential underwriting classes per product on every quote. View Sample Report
  • Detailed Information - All the information you need about each UL plan and carrier including guarantee periods and riders. View Sample
  • Quick Reports - Easily create multiple PDF reports for printing or emailing.
  • Forms Available - Package together your quote with the appropriate forms based on carrier/product, age, state and face amount.
  • Obtain Compliant Illustrations - Link VitalUL to carrier compliant illustrations through WinFlex Web.

Current and Reliable Data

  • Data Directly from Carriers - EbixExchange obtains and verifies data directly from the carriers . We will not include a carrier in VitalUL unless they agree to update their data. This ensures that the information is not only accurate but also current.
  • The Web Means No Updating - Because VitalUL is web-based, updates are instant and effortless. Carrier updates are added the same day we receive them. All updates are automatic, never requiring you to download or install new software when products are added and updated. You're always using the most current!

VitalTC

Long-Term Care Comparisons

VitalLTC is a long-term care insurance comparison system that provides fast, accurate and flexible comparisons of LTC products from multiple carriers.

Compare Industry's Leading Carriers

Includes most competitive products from top carriers.
View Complete Carrier/Product List .
View Products by State

Powerful Comparison Tool

VitalLTC is a unique web-based system that offers both feature and rate comparisons - making it simple for you to find the best plan for your customer.

  • Side-by-Side Comparisons - Compare product features and rates for 3 products from multiple carriers on 1 page, so you can choose the best for your client. Includes the option to quote each product's specific riders. View Sample Report.
  • Summary Comparisons - Provides a summary comparison not available in the past with LTC software. View Sample Report.
  • Custom Filters - Enter criteria specific to your client including benefit amount, level of home care and elimination period. Quickly sort through a comprehensive list of LTC premiums, ratings and product specifications to illustrate the plan that meets your client's needs. View Input Screen
  • Detailed Information - Shows both included and optional features for each LTC plan and carrier including monthly indemnity benefit, return of premium and assisted living facility benefit riders. View Sample Report
  • Quick Reports - Easily create multiple PDF reports for printing or emailing.

Current and Reliable Data

  • Data Directly from Carriers - EbixExchange obtains and verifies data directly from the carriers . We will not include a carrier in VitalLTC unless they agree to update their data. This ensures that the information is not only accurate but also current.
  • The Web Means No Updating - Because VitalLTC is web-based, updates are instant and effortless. Carrier updates are added the same day we receive them. All updates are automatic, never requiring you to download or install new software when products are added and updated. You're always using the most current!

VitalAnnuity

VitalAnnuity Comparison Software

VitalAnnuity compares fixed annuity quotes and information, quickly sorting through rates and options to help you find the right policy.

Current and Reliable Data

We have partnered with Beacon Research, which obtains and verifies updates directly from the carriers before changes occur, so the product data is always current. VitalAnnuity offers an extensive list of traditional and multi-year guaranteed annuities with hundreds of products. Carriers/Products List

Annuity rates change constantly, so we update rates each business day. To stay current, EbixExchange has partnered with Beacon Research, which obtains and verifies updates directly from the carriers. This assures that VitalAnnuity's information is current and accurate.

Beacon Research is a completely independent fixed annuity information source, providing data unique in its accuracy, comprehensiveness and timeliness. The data we receive from Beacon Research includes hundreds of fixed annuity products and interest rate bands tracked and updated on a real-time basis. It also offers complete information with up to 500 features per product. Not to mention, no other research organization derives its fixed annuity data from analysis of source documents, provided and verified by the carriers themselves. This ensures accuracy and makes Beacon Research a perfect data source for VitalAnnuity.

Time-Saving Features

Rapid product look-ups, side-by-side comparisons, detailed product feature info and printable PDF's make it easy to find the right policy.

  • Rapid Product Look-ups - With minimal input you can get a list of products that meet your client's needs. View Input Screen
  • Side-by-Side Comparisons - Lets you compare product features for up to 4 products on one page, so you can see how they stack up. View Sample Report
  • Product Feature Information - Detailed product information, with everything from interest rates to settlement options, gives you all the info you need in one place. View Sample Report
  • Quick Reports - PDF reports are one click away. Just click the Print/View button to print or email what you see on your screen.

Search or Spreadsheet

Search through hundreds of products to match your client's needs or just spreadsheet the products you sell. We keep your customized spreadsheet current so you don't have to. View Sample

VitalForms

A web-based single repository of up-to-date forms for the leading carriers

Extensive DataBase

Access Forms 2 Ways

Package Forms Easily

It's easy to package required forms specifically for your client based on carrier, product and state. With countless forms distributed through a variety of means, the process of finding the up-to-date forms required for each client can be time-consuming.

You no longer need to hunt for each form. Just specify the carrier, product and state and click a button. VitalForms will search our collection and package together the forms you need.

PDF Format

Reports are PDF files so they use Adobe Acrobat to print, FAX or email.

FAQs

VitalSales Suite is a website with all the insurance sales you need in one place - VitalTerm, VitalLTC, VitalUL, VitalAnnuity, Forms and VitalSigns. It is available to individual agents and to sponsoring groups for integration into an existing website.

You need 2 things - an Internet browser and Adobe Acrobat. The browser we recommend is Internet Explorer.

We have a direct-to-consumer version of VitalTerm, which can match the look and feel of your website.

Resources

Existing Users

Contact information

Ebix Exchange, 2121 S. McClelland Street, Suite 301, Salt Lake City, UT 84106
Toll Free: +1 (800)682-5202
Tel: +1 (385) 215-2740
Fax: +1 (385) 215-2750