| ;) | Eliminates all paperwork** | 
               
                | ;) | Online pre-application process | 
               
                | ;) | Cuts days out of the application process | 
               
                | ;) | Avoids 
                  delays by ensuring that all information submitted is correct and complete | 
               
                | ;) | Eliminates 
                  the need for client visits and your need to obtain original client signatures | 
               
                | ;) | Increases 
                  your clients' satisfaction with improved ease, accuracy and speed | 
               
                | ;) | Helps 
                  you deliver policies faster than the competition |