Using simple, table-driven parameters, you can design and deploy almost any workflow process -- a different one for each line of business if necessary.  For example, you may need something like the one described to the right for commercial lines, and a different, completely electronic and paperless process for personal lines or other template products.

What's more, BindExpress is perfect for integrating data uploaded from agency systems and comparative raters, enabling agents to easily fill in your company-specific data using the same web screens used for manual entry. 

It can also capture data during the sales process for reporting what agents are doing once they come to your website -- helping you to truly understand your strengths and weaknesses and maximize agent productivity.

BindExpress also supports automated underwriting -- accepting, rejecting or referring applications to your underwriting department.  Final decisions to accept, reject, or request more information can be done automatically, or by underwriters with just a few clicks -- improving customer service, at a fraction of the cost of conventional processing!

   (Below is just one of many supported workflows)

10:02am - Your agent receives a prospect call and enters the basic information needed for a quote directly into your website.

10:07am - BindExpress automatically invokes your (current) rating engine and displays the quote results.  It immediately creates a quote letter and/or proposal, which the agent emails or faxes to the prospect.

10:27am - The prospect calls the agent and ok's the quote;  the agent completes the online application and clicks “Submit.”

10:32am - The new submission immediately appears on your underwriter's BindExpress Work List screen, and she clicks and opens the application. (As an alternative, you can use smart underwriting to automatically approve, reject, or refer the risk; only referred risks appear on her Work List for review.)

10:37am - After reviewing the policy, the underwriter makes some changes, adds a credit and some comments, then clicks “Approve.”  BindExpress automatically sends an email to the agent, attaching the final quote, approval letter, and completed ACORD application, ready for signature.

10:41am - The agent telephones the prospect, who confirms that he wants the policy. The agent emails the documents.

10:43am - The insured prints the application, signs it, and faxes it back to the agent.

10:51am - The agent clicks “Bind,” and BindExpress emails confirmation to the agent -- along with an attached copy of the insurance policy.

10:57am - To collect the down payment, the agent calls the new insured, collecting and entering either his credit card or check information while on the phone.  BindExpress immediately creates and sends an electronic payment request for same-day processing.

Whether your company is concerned about competing in a marketplace that will soon demand instant Internet access to all insurance products, or you just want to make it easier for your agents to do business, give us a call at (803) 647-9532 to learn if BindExpress will work for you!