When selling or purchasing insurance, questions arise, and Liferaft’s support team is more than happy to answer any agent or customer questions. 

Download the flyer below to email or print. This is a great resource to share with clients after they have purchased a Liferaft policy.

Liferaft is a 100% digital company, which means for your client everything will be online. Just like you have a broker portal, clients have their own portal. 

After clients have successfully signed up for a Liferaft policy, they will receive a welcome email with their policy documents and instructions to create a password and sign into their portal. 

In their portal, clients can view their insurance information and documents, the monthly premium of each policy, when the next payment is due, and file a claim. 

If your client needs to update their address, phone number, or name—they will need to send an email to support@liferaft.co requesting this change. If it’s a name change they are requesting, Liferaft will need some form of documentation confirming their name. Common examples include an ID, birth certificate, password, or marriage certificate.

Submitting a claim through Liferaft is easy! 

In their portal, clients will select the “Start a Claim” button for the policy they plan to submit a claim. Selecting that button will bring clients to a new screen, instructing them to download and upload the claim form and any other supporting documentation stated in the claim form. 

To avoid delays in processing their claims, clients can send all documents to support@liferaft.co.

Liferaft does not accept monthly payments through the mail. Instead, the payment method provided during the application process will be automatically billed each month for each of your client’s policies. 

Clients can get confused when a name they don’t recognize appears on their bank statements. Despite purchasing a policy through the Liferaft platform, the name on their bank statement will differ depending on the carrier your client purchased a policy from. For example, if your client purchased an AIG policy, they will see “AIG” in their bank statement. 

Clients can find their policy number, effective date, monthly premium amount, and next payment date in their portal. They’ll also see the policy status as “active” or “coverage lapsed.” If there are any issues with the payment method on file, a message will appear in their portal and they can make any adjustments to their payment information in their portal.

If your client is interested in adding a new policy to their account, you can add them through your Broker Portal. You’ll find the Application Summary table on your dashboard, and from there, you’ll select “Client Portfolio."

Search for your client’s name and click the “Add Products” button. This will redirect you to their application, where you can add any additional products your client requested.

The longer your client holds a Liferaft Dental Policy, the better their coverage becomes—for the same affordable monthly payment. After one year, their annual maximum benefit amount increases, and the insurance company will cover a higher percentage of the coinsurance. 

Our partner Ameritas is offering Credit For Prior Coverage for dental policies. If your client has been enrolled in their current dental plan for 12 months, they will automatically receive year 2+ coverage. If your client is interested in the Value plan, the waiting period for Type 3 benefits is waived.

If your client plans on replacing their current dental coverage with Liferaft, the application will ask for the existing dental plan name and member ID. Once this new step is completed and checked successfully, you and your clients will see updated coverage options.

Will my clients receive any policy documents in the mail?

No, clients will not receive any physical documents in the mail. Once they have successfully signed up for their policy, they will receive a welcome email from Liferaft that will include all policy documents.

What happens if a client changes their address?

If your client moves, they need to contact the Liferaft support team by phone or email. Clients can not change their address, phone number, or name on their own; only a support team member can.

What if my client’s monthly payment fails?

If your client’s payment fails, they will see a notice in their portal. From there, they can update their credit card or bank account information and make that their new default payment. They also can contact Liferaft’s support team, who will be more than happy to assist them.