Zinnia Distribution Solutions (ZDS)

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Zinnia Distribution Solutions provides a comprehensive solution for carriers, financial professionals, and their clients to distribute, compare, fulfill, and secure life insurance coverage. Comprised of Policygenius Pro and Hybrid Origination, ZDStransformsthe way life insurance is distributed and purchased.

Policygenius Pro allows distributors to take advantage of an integrated quoting system to access and compare an extensive marketplace of life insurance products to find the right financial protection for their clients. Once a distributor has referred their client, our award-winning team of agents and case managers handles the backend work of fulfillment and provides a white-glove customer service experience for clients.

Hybrid Origination is a white-label SaaS system for insurance carriers looking to streamline and enhance their online distribution. The hybrid eApp empowers consumers to undergo the L&A purchasing process independently online, with advisor assistance, or a combination of both, according to their needs. The integrated advisor experience amplifies their data access and enables real-time tracking of the customer journey. Together, our platform offers a seamless distribution and purchasing experience for carriers, advisors, and clients.

Key Features

Policygenius Pro

Distributors can take advantage of seven key features within the Policygenius Pro platform:

  • Extensive product offering: Our marketplace offers 12+ insurance carriers with products including fully underwritten, accelerated underwriting, and final expense.
  • Quoter: Our built-in interactive quoting tool allows distributors to compare products and provide cost estimates.
  • Drop ticket: Our drop ticket process only requires 7 pieces of client information and takes less than 60 seconds to complete.
  • Unique landing page: We offer distributors a customizable landing page that they can use across email, social media, and more to allow their clients to submit their referrals on their own time.
  • Expert team: Our award-winning team of agents and case managers handles the backend work of fulfillment, including the application, medical exam, and underwriting requirements.
  • Live updates: Our real-time case dashboard and email notifications keep distributors in the loop at every step of their client’s application journey.
  • Dedicated Partner Success team: Each distributor has access to our Partner Success team to help them navigate onboarding, licensing, and referrals, and answer any questions they may have about their client’s application.

Hybrid Origination

  • Quoter & eApp- A modern and intuitive buying experience for advisors and their clients that allows consumers to to easily select the quote that best suits their needs and then seamlessly start, edit and complete life insurance applications independently online, with advisor assistance or a mixture of both.
  • Advisor Tools - Our solution empowers advisors to streamline their pipeline and enhance sales processes with tools such as custom landing pages, social sharing capabilities and enhanced data analysis, helping them maximize their time and efforts and reach new audiences.
  • Integrations - Robust API gateway that connects easily with Carrier and third party systems, as well as the carriers’ vendors of choice for underwriting, payment processing, admin platforms and other data analysis systems.

Key Benefits

Policygenius Pro

By leveraging Policygenius Pro, distributors access three key benefits: saving time, selling more insurance products, and delivering excellence to their clients. Our platform reduces the amount of time distributors need to spend submitting and fulfilling their clients’ life insurance applications by up to 88%, freeing them up to work on other revenue-driving initiatives.

Policygenius Pro’s wide range of product offerings means that distributors can find the right coverage option for more of their clients. With the time they save through our streamlined process, they can spend more time assessing their clients’ insurance needs and determining where life insurance may be a good fit. Finally, our award-winning team of agents and case managers provides a superior client experience at every step of the process, making it easy for distributors to refer their clients to us with confidence.

Hybrid Origination

Hybrid Origination streamlines the consumer application process by making it a more intuitive and simple experience, ultimately widening reach and accessibility and ultimately improving conversion rates and placement. The system allows for streamlined administration so that advisors are able to efficiently serve more customers, facilitating upselling and cross-selling. For the carrier, access to potent data analytics allows a focus on effective optimization, and the creation of a cost effective and efficient operating process.


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