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welcome to easy links rating engine underwriting requests this video is intended for all users at a member agency of a map or market access provider with the easy links real-time rating engine if you are a member you will have access to quote the shared markets but the map admin and underwriters will handle the binding process some maps use an easy links feature called messaging that is used to communicate between the map and member agent this process happens after an applicant is successfully quoted in easy links until the policy is bound with the carrier if you are unsure if your map utilizes this process we recommend reaching out to them directly to discuss their binding process for shared carriers this video is only intended for member agents of maps that use the messaging feature when an agency contracts with a map or market access provider aka mga aggregator or cluster for access to easy links it creates a collaboration between the map member agency and easy links our common goal is to provide the map member agency users with an excellent easy links experience since a map member agent cannot log into a shared carrier website the map admin must finalize quote premiums and bind policies on behalf of the member a gem the member agent will use the underwriting requests feature to communicate with map admins during this process the map will assign their own underwriters to facilitate communication between the carriers and member agencies the map does not have a direct line of communication with the applicant so the member agent is responsible for providing detailed updates to the customer there are two places in easy links where a user can locate the underwriting requests either the applicant account or the agents dashboard to locate underwriting requests from the applicant account we can click the request tab here and see the finalized premium submitted by the a gem otherwise the agent can hover over the dashboard icon and select underwriting requests to see all requests they have submitted using their dashboard remember if you don't see these options it may be because your map doesn't utilize the messaging feature and easily now let's discuss how to submit the initial underwriting request first an agent will submit an application through the easy links rating engine and select the finalized premium button next to the successful quote they want to continue with next a window pops up and displays your initial request remember to add comments and attachments as needed it's important to note that an applicant's existing documents will not populate into this window however any attachments added into this premium request will automatically save to the documents tab for the applicant to finish submitting the agent should click request final premium before doing so we recommend you include all necessary details not provided in the application please note if information or coverages change for the insured after the finalized premium is submitted do not recoat this applicant if you try to resubmit a quote this will start your bind process over again and delay your insured from receiving coverage instead we recommend that you add all additional information or changes in this underwriting portal please note that if a carrier returns an error instead of a successful quote the agent cannot select finalize premium please contact the map for more details on the carrier error easy links cannot help you agents that receive successful quotes through shared carriers must speak with their map if they do not see this option available after selecting request final premium the designated map underwriter receives an email notification to confirm the initial request was submitted easy links changes the quote type to finalized premium submitted here's a friendly tip every time an underwriter updates the status or type the agent receives an easy links generated email informing them of the new type the agent should open this link within the same browser that they are logged into their easy links in for security reasons the agent is unable to access the link without first being signed in to easy links when a Maps designated underwriter is notified of an initial request they pull up the applicant profile on the carrier site and begin running all required reports if more information is required to ten you the underwriter will change the underwriting request type to information requested once the agent provides the necessary details they should select information provided please note information may be requested multiple times during the underwriting process so be sure to reply promptly to avoid delays in providing a final quote to your customer keep in mind that comments and attachments will be visible to both parties immediately however the email notifications are only generated when a status or type is changed if details are urgent please reach out to your map directly once all the details are provided and all reports have been run by the map on the carrier site and may be time to submit the bind request after the finalized premium is set to complete the agent should reach out to the applicant to confirm the coverage and final premium if the client wants to bind their policy the agent will change the underwriting request type from finalized premium complete to bind request once the map binds the policy with the carrier they will change the status to complete typically the map includes a comment or attachment with the policy details if further details are needed regarding your newly bound policy please contact your map there are various status options available to member agents in progress can be selected by the map when an underwriting request is assigned and they are working directly on the carrier's website once set in progress be sure you don't submit a new quote for the applicant because this will delay your insured from receiving coverage a member agent can also use in progress when you're reviewing information with your client there are also three different cancelled options available to you as a member agent take advantage of these to track your underwriting requests later the map may also set the request with one of the following cancelled statuses if you see a status that you're curious about please reach out to the map for more information if the map sets the type to declined the map usually provides a reason and the communication is no longer open if the agent fears this type has been selected incorrectly they can choose to reopen please note during this underwriting process all questions update and concerns need to be addressed with your map directly easy links cannot provide details behind a canceled or declined underwriting request this concludes our tutorial thanks for watching