When the walls come tumbling down.
Here’s the reality we need to confront head-on: despite its critical importance, life insurance remains underused by many Americans. The reasons are multifaceted, but at the core, we’re dealing with two key challenges—a perception problem and a process problem.
Many consumers view life insurance as complex, time-consuming to obtain, and sometimes even unnecessary. On the advisor side, selling life insurance often involves navigating disjointed systems, lengthy applications, and prolonged underwriting processes. Addressing these challenges requires more than incremental improvements. It demands a unified, modern approach that simplifies the experience for both advisors and clients.
As I reflect on the urgent need for modernization in our rapidly evolving life insurance landscape, one thing becomes crystal clear: we’re not just updating processes, we’re reimagining how families access this vital financial protection. The call for change is loud and growing, and it’s time we answer with bold, transformative action.
Today’s consumers expect digital-first, frictionless experiences. Advisors need tools that keep pace with these expectations—tools that speed up the sales process, reduce complexity, and create a superior experience. And forward-thinking firms are responding to this call by fundamentally shifting how life insurance is sold: moving from manual and fragmented to digital and unified.
The power of unified technology for life insurance
This is where Hexure’s innovative, connected approach makes all the difference. We’re not just offering another digital tool—we’re providing a comprehensive, end-to-end ecosystem that removes barriers and drives outcomes. Our platform simplifies the entire life insurance sales journey, from initial client engagement to policy issuance, and is built on a five essential pillars:
- In-Good-Order. Unify quoting, illustration, and e-application processes and data into a single, intuitive workflow. Say goodbye to NIGOs—advisors submit more complete, accurate applications the first time.
- Compliant. Use data and automation to reduce underwriting times without compromising on risk assessment, keeping advisors efficient and carriers protected.
- Reliable. Equip advisors with tools that simplify product comparison, support client education, and close sales faster. Advisors will have confidence and clarity at every step.
- Experience. Make quoting and submitting applications as fast and easy as possible. Advisors can quote and submit in minutes, creating a better experience for themselves and their clients.
- Accessible. Enable access to more carrier products through a single solution, giving clients clearer choices and empowering advisors with flexibility.
While a robust digital foundation is crucial, technology is only as powerful as its use. When advisors have the right tools, we transform not just the sales process, but the experience itself, making it faster, simpler, and more client focused.
Meeting clients where they are
In today’s fast-paced world, timing is everything. Our mobile approach empowers advisors to connect with clients anytime, anywhere. Imagine being able to run a quote and submit an application—all during a single client meeting at a coffee shop.
Mobile technology lets advisors engage clients anywhere. This isn’t just convenient; it’s transformative. It eliminates the lag between intent and action. Plus, it makes coverage easier to obtain when it matters most. Consumers are getting coverage faster, and advisors are closing more business with less friction.
What’s next? The future of life insurance sales
As I look ahead, one thing is clear: the future of life insurance sales lies in unified, digital-first solutions that eliminate friction and prioritize speed, simplicity, and accuracy. The firms that will thrive are those that equip their advisors with the right technology to meet modern consumer expectations.
By breaking down the traditional barriers—lengthy applications, disconnected systems, slow processes—we’re not just improving operations. We’re making life insurance more accessible, more understandable, and ultimately, more impactful. Every innovation we introduce brings us closer to a future where families can secure the protection they need—quickly, easily, and confidently.
This transformation isn’t just about efficiency—it’s about impact. It’s about giving advisors the tools they need to succeed and giving consumers the confidence to protect what matters most.
Whether you’re a carrier, distributor, or advisor, we share a common goal: making life insurance more available, more efficient, and more human. Let’s continue transforming the experience, together.
by Kevin Pohmer, President, Hexure
