New Business & Underwriting
This Manulife AI tool helps approve decisions within minutes.
What is MAUDE?
This is the person or entity that owns and controls the policy and can make changes.
Who is the policy owner?
This type of email is sent when clarification is required on a transaction.
What is a "Not in Good Order" email?
This AML method double-checks a client’s identity using two trusted sources.
What is the dual method of identification?
This form is required when changing the payor on a monthly pre-authorized debit plan.
What is the Pre-authorized Debit (PAD) Form (NN0312)?
This type of application is completed entirely on a computer or tablet rather than on paper.
What is an electronic application (eApp)?
This type of report is obtained from a client’s attending doctor to clarify medical history.
What is an Attending Physician’s Statement (APS)?
This is the person or entity who receives the policy’s death benefit.
Who is the beneficiary?
This is the maximum number of days you can go back when searching for the status of your inforce transactions.
What is is 90 days?
To support AML, Manulife forms must clearly record the client’s legal name, date of birth, address, and identification details as part of this requirement.
What is client ID and verification information on the form or government-issued photo identification?
Before submitting a loan or withdrawal request, advisors should obtain this to help identify any taxable gain implications.
What is a tax quote?
This Advisor Portal tool lets you create custom insurance projections that show clients their coverage based on premium, age, health, and other factors.
What is Manulife Illustrations tool?
When an application is approved at a higher premium due to increased risk, it is said to be issued with this.
What is a rating (or extra premium)?
This is the lump sum paid by Manulife upon the death of the life insured.
What is the death benefit?
Policies formerly issued by this company are not yet available on eTrack.
What is Standard Life?
When a payor is different from the insured or policy owner, the processing form must clearly identify this relationship and reason as part of this AML-related requirement.
What is the third‑party payor form?
Regardless of the electronic signature vendor used, this document must accompany the submission to avoid a NIGO.
What is the digital audit log (audit trail)?
This Manulife tool lets advisors quickly view client policies, coverage details, and submit certain service requests online, all in one secure dashboard.
What is My Clients tool?
This means the risk is too high, so we’re not able to offer coverage.
What is a decline?
When a client stops paying premiums and the policy terminates without value, this has happened.
What is a lapse?
This is what advisors, marketing assistants, MGAs, and National Accounts track in eTrack instead of calling in for status updates.
What are inforce requests?
When an owner lists their occupation as "retired" on an AML form, this information is still required.
What is their most recent employment information prior to retirement?
This policy feature allows a client to change eligible term coverage to permanent insurance without providing new medical evidence.
What is a Term Conversion?
This is the primary online tool where clients can view their Manulife policies, balances, and key information.
What is the Customer Secure Site?
These notifications allow advisors to respond directly to underwriters, submit missing information, and attach forms to keep cases moving quickly.
What are New Business Notifications (NBNs)?
This type of change occurs when the policy owner’s rights are transferred to another person or entity.
What is a transfer of ownership ?
This eTrack status means Manulife has outstanding requirements that must be provided before a transaction can be processed.
What is Not in Good Order (NIGO)?
This form can be used to satisfy AML requirements for incorporated entities, avoiding the need to locate corporate resolutions or minutes.
What is Form NN1703, the Certified Copy of a Resolution of the Board of Directors?
When a life insurance policy lapses, this process may allow the coverage to be restored, subject to underwriting requirements.
What is a policy reinstatement?
This digital option allows clients to choose to receive their documents and statements electronically instead of by regular mail.
What is eDelivery or electronic statements (paperless delivery)?
If a client says they smoke "occasionally," underwriting will want this detail.
What is their tobacco use history?
For a corporate-owned policy, one acceptable signing option is having two of these individuals sign, along with their titles and company name.
Who are two signing officers?
This is the only approved method for responding to a NIGO communication, since NIGO email addresses do not accept inbound requests.
What is replying through eTrack?
A determination of this status is required when a client or contributor makes large premium payments or deposits of $100,000 or more into an insurance policy.*****
What is Politically Exposed Person (PEP) status?
Before processing insurance transactions, this My Clients screen helps identify irrevocable beneficiaries who may need to consent to changes.
What is the Client Information screen?
This team provides real-time training and support for Advisor Portal, E-Application, E-Forms, E-Delivery, and other insurance digital tools.
What is the Insurance Digital Desk?
Famous Quotes!
"May the Force be with you."
What is Star Wars?
Famous Quotes!
"With great power comes great responsibility."
What is Spiderman?
Famous Quotes
"You can't handle the truth!"
What is A Few Good Men?
Famous Quotes
"I'm gonna make him an offer he can't refuse."
What is The Godfather?
Movie Trivia
This film features a famous shower scene.This film features a famous shower scene.
What is Psycho?
This Advisor Portal tab helps answer inforce insurance administrative questions and provides forms, requirements, and special instructions.
What is the Administration tab?