Insurability
Will a carrier take them?
The question that decides whether the quote was worth running. Asked before the appointment, not discovered at the kitchen table.
Its own address: insurability.virtualcloser.com. Every app runs at app.virtualcloser.com until each one moves to its own.
Sample prospects. Virtual Closer develops the field information to help you see who's most insurable — agency decision-support, not a carrier underwriting decision.
What is in it
4 parts, and you get all of them.
The Insurability Form
A health questionnaire the lead fills in themselves, on their phone, before anyone drives anywhere. Sent by link, chased automatically.
The underwriting guide
Ask a case in plain language — conditions, medications, timelines — and get the placement question answered against carrier rules rather than against somebody's memory of them.
A grade, with its reasons
Every grade opens to the specific answers that produced it. A number you cannot interrogate is a number a producer will not trust twice.
A full written report
The paid, long-form version for the cases that are genuinely hard: the whole file, read and written up.
Worth knowing
It informs the producer. It does not underwrite.
A grade is a well-informed prediction of where a case is likely to place, not a decision — the carrier underwrites, and only the carrier. It is also deliberately not something the lead-facing AI will ever answer: health, eligibility and coverage questions escalate to a licensed human, and this is the app that human opens next.