Located in the My Account section, the Submission Options tab controls the way cases you submit for processing through Insureio are handled - including commission breakdowns. Insureio allows you to complete a sale using our partner agency's drop-ticket application processing. There are two service levels to choose from. You can choose on a case-by-case basis, or set your preference in the My Account section. We'll explain both options below.

NOTE: Not using Insureio's application fulfillment partners? You can access printable PDF application forms by running a quote through the tools included in the Resource Library. Click Quoting & Product Tools to get started.


The two service levels are Application and Referral, both described below.

By default, you'll be able to choose between the two on a case-by-case basis. The first step of the quote path will always ask you which you want to use unless you set a preference in My Account/Submission Options.

Quote Path: Choose Application or Referral Process

Application Process

With the application process, you make the sale and:
  • Conduct a discovery interview
  • Screen the client's health
  • Provide a financial analysis
  • Provide quotes
  • Complete the Insureio application form
Our application fulfillment partners take care of everything else directly with the client, carrier, and vendors, all on your behalf. Compensation: There is no split of the sale or compensation for this service.

When you select this option, your Insureio quote path will have six steps, as shown below:

Submission Options: Quote Path for Application Process

Referral Process

With the referral process, you:
  • Provide a basic quote (no health screening)
  • Refer the client to your "life insurance division"
We make the sale on your behalf and:
  • Conduct a needs analysis
  • Screen the client's health
  • Provide quotes
  • Complete required forms
  • Take care of everything else directly with the client, carrier, and vendors
Compensation: Sales and compensation are split 50/50 for this service.

When you select this option, your Insureio quote path will have four steps, as shown below:

Submission Options: Quote Path for Referral Process

Set Your Preference

If you always want to use the same submission option, you can set a preference.
  • Go to the My Account section.
  • Click the Submission Options tab.
  • Un-check the box for the preference you want to remove. Make sure the box for your preference is checked. Insureio will automatically save your selection.
Submission Options: Selection