Question 1

Selling vs. Offering and Licensed vs. Unlicensed

Accepted Answer

First let's make sure we separate "Selling" vs. "Offering".

For products that require a license and you have the appropriate license in the state of your customer, you can sell any of our products we have on the platform plus those products you bring to the table. Your license allows you to consult on that sale.

For products which you aren't licensed for or in states that your not licensed in, you can offer our products to your consumers but you can't consult on that sale. We have online direct-to-consumer quoting and buying for many of our products so just because you don't have the license, doesn't mean that you customers need to go somewhere else to get the products they need. When a customer quotes or buys a product from your website or through our partnerships which is attributed to you and for which you don't have the appropriate license, we pay a referral fee to you.

Question 2

What products can I sell with the EIA?

Accepted Answer

First let's make sure we separate "Selling" vs. "Offering".
 
For products that don't require a license, you can sell or refer in all 50 states.

For products which require a license and you have the appropriate license and your customer is in states that you are licensed in, you can sell, as your license allows you to consult on that sale.
 
For products which require a license but you aren't licensed for that product or your customer is in a state where you aren't licensed, you can offer the products which require a license to your consumers but you can't consult on that sale.  We have online direct-to-consumer quoting and buying for many of our products so customers can buy directly from your site or from one of our licensed referral partners.  When a customer quotes or buys a product from your website or through our partnerships which is attributed to you and for which you don't have the appropriate license, we pay a referral fee to you.

The only product we currently offer which is unlicensed is the Vehicle Service Contract (Auto Warranty Product).

Question 3

What is the compensation by product?

Accepted Answer

Please see COMPENSATION & MORE under the "WHAT WE OFFER" in the menu.

Question 4

What Personal Lines P&C carriers do you have in my state?

Accepted Answer

You can review the auto carriers available by state by clicking on this link Auto Carrier Grid(https://docs.google.com/spreadsheets/d/1OPWk1CoT42GErwFyjB_4NLv7ioGf1pXK/edit?usp=sharing&ouid=115509280646687767033&rtpof=true&sd=true)
 
You can review the auto carriers available by state by clicking on this link Home Carrier Grid(https://docs.google.com/spreadsheets/d/1-9Ezg13hRD8M5zyBSUJUa7KUKepFunCT/edit?usp=sharing&ouid=115509280646687767033&rtpof=true&sd=true)

Question 5

How do I use the Auto and Home Referral Tool?

Accepted Answer

The Auto and Home Referral Tool (https://www.answerfinancial.com/lead/lead/?a=EIA_LeadForm_wm_xfer)is self explanatory and will walk you through it as you use it.

https://www.answerfinancial.com/lead/lead/?a=EIA_LeadForm_wm_xfer

Question 6

How do I use the Answer Financial Business Insurance Referral Tool? (Commercial Auto and more)

Accepted Answer

You can leverage the Commercial business experts at Answer Financial.  for Commercial Auto, Workers Compensation, Cyber, and more.  Click here (https://business.answerfinancial.com/?a=EIA_COML)for the link and watch our video to learn more  Use your email as the referral code
https://player.vimeo.com/video/496979204?badge=0

Question 7

I just joined and when can I access the comparative rater?

Accepted Answer

It takes a day or 2 after you join to get the Comparative raters turned on for you.  If after 2 days of joining you haven't received the Comparative rater access email, please try the follwoing
 • Go to https://art.answerfinancial.com/ and use the reset password button
 • Type in your email
 • Check your email for the reset password email.  It will come from do_not_reply@answerfinancial.com  Check your inbox, junk, promotions, notifications, etc. folders.
 • If you receive it, please reset password and sign in.  Let us know if that worked for you.
 • If you don't receive it, please let us know by emailing Support@JoinEIA.com and we'll get the system team involved

Question 8

How do I use the Auto Comparison Rater to quote?

Accepted Answer

Watch the following video.

https://player.vimeo.com/video/459744527?badge=0

Question 9

How do I use the Home Comparison Rater to quote?

Accepted Answer

Watch the following video.
 
https://player.vimeo.com/video/459749599?badge=0

Question 10

Will my quoted rates for my customers change?

Accepted Answer

Maybe, the Answer Financial call center agent is going to verify information and run the reports (credit, CLUE, Prior Carrier, MVR) to make sure that the customer told the truth around
 • Their credit score - verified with the Credit Pull.  This is a soft credit pull and doesn't affect your customers credit score.
 • Accident history - verified with CLUE report
 • How long they have been insured - verified with Prior Carrier report
 • Violations (speeding, failure to yield, DUI, OWI, etc.) - verified with MVR report

Please let your customers know that the reports will catch everything (even claims where you weren't at fault) so the only way to get an accurate quote is to have all information put into the comparative raters accurately.

Question 11

How do I leverage the call center to close a sale?

Accepted Answer

What comes next when the customer is ready to bind the policy?
 • Upon reaching Rate Call 1 (RC1) within the comparative raters (ART or HART), call toll free number 855-750-6637 to transfer the customer to an Answer Financial Agent to close the sale.

How should the Entrepreneur Agent greet the AFI Agent?
 • Hello this is EIA Agent [Name] and I am here with customer [Name]. The TAMID is [provide #]. I have customer (name) on the line looking to purchase (auto, home, condo, etc.) insurance.

How should the AFI Agent greet the Entrepreneur Agent?
 • Thank you for calling. My name is [Agent Name], how can I help you with your insurance today? Great. I can help you with that, before we get started, I want to remind you that this call is recorded. Hello [Customer Name], we work together with the EIA and I will help to complete the purchase of your auto insurance policy today.

The call center is open 6 days a week and 10-12 hours a day.  Essentially, if there is a car dealership open in your area, the call center is probably open to assist you with running the reports and closing the sale.

Who can I contact if I have ART or carrier questions?
 • Contact Partner Support PartnerSupport@answerfinancial.com

Question 12

What are the service and claims numbers for the P&C carriers?

Accepted Answer

You can use this link (https://www.answerfinancial.com/aboutus/claimsandservices?a=RETAIL)to find out the claims and service numbers of the carriers

Question 13

What if I have other specific questions not answered above?

Accepted Answer

Please email support@JoinEIA.com or schedule a 1 on 1 meeting (https://calendly.com/joineia/eia-1-on-1-meeting-for-current-eia-agents)with us and we can review your questions.  Thanks