For enrollment firms
You know Pendella. You haven’t seen this.
Since you last looked, the platform became something new: fully underwritten individual term, quoted at the right class on the call, with an AI assistant beside every counselor. A whole new commission line for the floor you already run — live before open enrollment. Three minutes, start to finish.
Accident
Group voluntary
Critical Illness
Group voluntary
Hospital Indemnity
Group voluntary
GI / SI Life
Capped faces, no rate classes
Individual Term
Fully underwritten · real rate classes · decision on the call
Your counselors can now get clients approved on the call
Fully underwritten individual term used to take weeks — impossible inside an enrollment window. That’s what changed. Your counselors are already licensed for it; now the process finally fits the call.
BEFORE Weeks of waiting
Quote a number, submit the app, wait on underwriting — and watch the number change. The sale died in the gap.
NOW Underwriting on the call
The quoter asks exactly what carriers key on and shows the right class — before your counselor ever says a number.
THE RESULT Approved on the call
Accelerated paths, instant offers, decisions before the client hangs up — the norm on your floor, not the exception.
Right class up front → real quote → approved on the call. No waiting. No number that changes.
Inside the quoter
A guided flow that gets the class right the first time — with Penny, our new AI assistant, beside every counselor on every screen.
See how carriers see the employee — two minutes in
Height, weight, nicotine — and the quoter instantly places the employee on each carrier's actual build chart, before a single health question.
Ask what carriers actually key on
Structured health, medical, family, and lifestyle history — checkboxes, not essay questions, so clean cases move fast.
Get a suggested class, with the reasoning
Carrier by carrier, transcribed from the actual underwriting guides. Suggested — not an offer, not a rate lock. The carrier always sets the final class, so your counselors stay accurate and compliant — on every call, at any volume.
Quote the shelf at the real class
Every eligible carrier, sorted low to high, with Apply and E-Sign right there — and every session documented for your team as the counselor goes.
What it means for your firm
New revenue, same floor
A new commission line sold by the counselors you already have, on the calls they’re already making — without touching your voluntary block.
New counselors sound like veterans
Penny on every screen and the reasoning in writing — every counselor can stand behind the number they present.
Live before open enrollment
Your people are already licensed. We handle the appointments and the tech — setup is fast enough to be live this season.
Worth another look before open enrollment?
If you looked at Pendella before, this is the platform you were waiting for. Fifteen minutes and I’ll walk you through the whole flow live, from lead to e-sign — and what it takes to be live this season.
Schedule a demo