Guides the plan to apply for — the carrier's pre-approval makes the final call. Never promise an approval.
H1 · Enrollment window
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A qualifying event needs proof. If they can't document it, the marketplace application will stall at the data-matching issue.
H2 · Household & income
Enter income and household size.
H3 · State
Income sets the lane. The shelf below shows every tier that can be issued in this state — quote the one that fits the conversation.
H4 · The call
No deductible to meet. First Health PPO — run by CVS / Aetna, over a million providers, nationwide. Hospital benefits do not require the network.
Doctor visits run $25-$50 depending on the plan · specialists $50-$75 · urgent care $50-$75 · preventive included on most plans · telemedicine at $0 consult · generics average $5, some preventive generics at $0.
Hospital pays $1,000 or $1,500 a day depending on level, annual hospital maximums $5,000 to $15,000. Higher levels add surgery, $1,000 ER if admitted, and $500 ambulance if admitted.
Say these in the same breath, not after the card: 30-day wait on sickness · 12-month pre-existing limitation on hospital · effective the 1st or the 15th · this is not major medical and it is not Obamacare.
Those benefit figures describe the Good Health shelf. ABA, ABH, NCE and ARC pay on different schedules — read the plan's own line in the verdict above before quoting numbers.
Answer H1 through H3 and the lane shows up here.
H5 · Ancillary — final expense
Every health file gets an FE quote attached. Run the Life tab once the health product is locked, then add it as product 2 on the Fill tab.
1 · Opener
SAY: "Who do I have the pleasure of speaking with?" · "Existing coverage, or first policy?" · "Main purpose — funeral costs or leaving money behind?"
🔒 Form is locked until you capture your name + phone + first + last name and tap the button — that files the contact in GHL and lights up the rest.
⚠ REPLACING = FL churning rules: document the specific benefit in your note. Gerber takes no FL replacements.
⚠ Owner ≠ insured: the INSURED must still know, consent, and complete any carrier phone interview — never write coverage the insured hasn't agreed to. Name & health answers below are the INSURED's, not the caller's.
⚠ POA/guardianship on the insured: Gerber will NOT issue. Other carriers vary — check before quoting, and document who signs.
2 · Verify — state, DOB, build
SAY: "Verify your state and zip?" · "Are you a resident of that state?" · "Were you born in that state — and in the U.S.?" · "Date of birth?" · "Height and weight on a good day?"
⚠ Not a resident: apps are written where the client resides — confirm which state governs before quoting.
⚠ Foreign-born: ask citizenship / permanent-resident status — Gerber requires citizen or permanent legal resident.
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3 · Fast path — type the case, tap Scan (Mike's feature)
Scans your words and taps the buttons below for you — review what it selected, then adjust. Raw input only: don't paste the finished GHL note back in here.
4 · Medications — type 3+ letters, tap the match
SAY: "What medications are you taking?" · "Any prescribed in the last 5 years you stopped?" · "Ever prescribed Nitroglycerine, Nitrostat, Donepezil, Namenda, or Suboxone?" (type each — they change the match)
5 · Health questions — tap what they confirm
6 · Goal & bene — before the hold
SAY: "Cremation or traditional burial?" · "Cremation runs $3–6K, burial $8–20K — about what you had in mind?" · "Who will be your beneficiary?" · "Let's get you set up — what account or card works best for the monthly payment?" · "What works comfortably for your monthly budget?"
✅ COMPLETE THE FILE. Whatever the payment method, the onus is on US: chase stips, get docs signed, confirm the first draft — same day. That's what makes it stick. A card is the RESCUE for a genuine timing-risk client (empty account on draft day), not a mandate — a completed bank draft places just as well.
⚠ Direct Express = SS prepaid debit, not a bank account. No carrier on file accepts it for bank draft, and Fifth Third is reissuing every card — recurring payments stop when the new card arrives. Open a checking account and redirect the deposit with SSA.
7 · Close — app details (only if closing)
App details now live on their own tab — Contact, Dependents, and Payment / Carrier, with room for multiple products.
8 · Note, outcome & save
✓ Auto-built from your selections — spelling is always correct.
Call outcome — tap one before saving
Phone rides from the top of section 1 — that number is how the save finds the right contact.
⚠ UNSAVED — outcome tapped but not saved to GHL yet
Save to GHL files this note onto the contact automatically — phone number is how it finds the right card (same match as the deal sync). Copy note is your backup.
Contact
Same client, one place. Name, phone, DOB, state and birthplace stay in step with sections 1 and 2 — type in either.
🔒 Dependents and Payment stay locked until you capture name, phone and gender and tap the button.
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Street address — where the client lives
Doctors — name and state only
No doctor on file yet.
Dependents
Up to nine. Add one only when the client names a child, spouse, or other dependent on the application.
No dependents on this file yet.
Payment / Carrier
✅ COMPLETE THE FILE. One product per policy written. Card numbers are masked (👁 to check) and never stored on this machine.
Product 1 — primary
✓ Carrier & type pre-filled from your match — change if the app went elsewhere
Paid or post-dated
Method of payment
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Billing address
CVV is for reading to the carrier during submission only — it is never saved to this machine and never sent to GHL.
RECEnter age & health\u25b2 tap to open
Recommended
Enter age & health
Override the grid — manager sign-off required. Goes in the note verbatim.
⚠ unsaved
VeriLife Carrier Tool · v96 · outcome asked at save, gate names the field · build 2026-08-26 UTC
Call notes — saved as you type, travels with the phone number