For health insurance call centers · Under 65 & over 65
Your health book is full of life insurance buyers.
You already paid for the lead, the call, and the trust. Pendella lets your agents cross-sell term, whole life, final expense, and guaranteed issue to that same customer, ages 18 to 85, from one AI-powered quoter.
Whichever book you run
Under 65, over 65, or both. Every health customer has a life need.
Protect the paycheck.
Working-age families insure their health but rarely their income. Offer coverage while they're already on the phone with you.
- Level term from Prudential, Banner, TruStage, and Ladder
- Whole life with cash value for permanent needs
- Instant underwriting on most term applications
Cover what Medicare never will.
Final expenses are the most common unmet need for seniors. Your agents already have the relationship. Now they have the product.
- Final expense from AIG Corebridge, Prudential, Transamerica, and more
- Guaranteed issue so no client leaves without an option
- Year-round commissions between AEP and OEP
Already selling life?
Here's what you can't get on your own.
Many call centers already have a life product or two. Agencies add Pendella for access and approvals they can't get elsewhere.
Carriers and underwriting you can't access directly
Pendella holds exclusive access to certain carriers and underwriting programs. That means more approvals on the call and fewer customers turned away.
One quoter replaces a dozen portals
Every carrier and product in one screen. Agents quote, compare, and apply without switching systems mid-call.
AI that field-underwrites on the call
The assistant points agents to the right product and likely rate class before they submit, so fewer cases fall out later.
A safety net for every health profile
When a client doesn't qualify for simplified issue, guaranteed issue is one click away. Nobody hangs up empty-handed.
The shelf
Top-rated carriers, one application flow.
| Product | Ages | Carriers | Decision |
|---|---|---|---|
| Term life | 18–75 | Prudential, Banner (LGA), TruStage, Ladder | Instant |
| Whole life | 18–85 | TruStage | Instant |
| Final expense | Up to 85 | AIG Corebridge, Prudential, Transamerica, American Amicable, Americo | Same day |
| Guaranteed issue | 45–80 | TruStage, AIG, Gerber | Instant |
Ages, availability, and underwriting vary by carrier, product, and state. Some cases may require accelerated or full underwriting.
The unified quoter
Built for how call centers actually sell.
Illustrative only. Final underwriting decisions are made by the carrier.
Who does what
Your agents sell. We handle the rest.
Your call center
- Offer life on the calls you're already taking
- Quote and apply in the Pendella agent quoter
- Earn commissions on every issued policy, with advances as often as weekly on many products
Pendella
- Carrier appointments and agent training
- Fulfillment from submission to policy delivery
- Real-time reporting in Salesforce
- Optional dialer and CRM integrations
Next step
See it on your book in 30 minutes.
Bring your book size and product mix. I'll show you the quoter live and what a life cross-sell could look like for your call center.