Insurability
Will a carrier take them?
The question that decides the case. Asked before the appointment, not discovered at the kitchen table.
Runs at app.virtualcloser.com.
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.