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Writing a contract in DIGicon

See a breakdown of each section in DIGicon.

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Insured Information

This tab allows you to enter the insured's personal information.

Some things to keep in mind:

  • Required fields are in RED / complete as many optional fields as possible.
  • Use standard capitalization (avoid no caps or all caps).
  • Enter either the complete SSN or the last 4 digits (leave blank if no SSN is available).
  • If entering an address in care of someone else, use a % symbol followed by the other person or facility name in the Address Line 2 field. Make sure there is a space between the % and the first letter of the following word.
  • If the insured needs to qualify for Medicaid, there is a checkbox to help make sure the contract is compliant.

 

People

Use this tab to add people with financial interest or anyone to be listed in obituaries, pallbearers, newspaper notices, etc.

Click the icon to add anyone with financial interest. This includes:

  • Spouses and children
  • Anyone purchasing the contract for the insured
  • Anyone signing on behalf of the insured (POA, Guardian, Appointee)

If a person is signing as POA or Guardian, you must mark them as such in order for them to show in the drop-down menu in the Legal Parties tab.

Do not mark if the person is not signing for the insured.

Click the icon to add basic information for people listed in obituaries, newspaper notices, pallbearers, etc. Not for use with Legal Parties.

 

Health Questions

This tab has Health Questions for your specific product and state. It also provides Underwriting Guidelines if you're unsure about a particular question.

Health Questions are not required for Single Pay contracts. 

BUT in order to be paid commissions on a Single Pay contract, you must at least complete the Section A question.

Not all products have Section B questions. If you have questions about your product, please contact your manager.

Both Section A and Section B are required if:

  • The policy is graded.
  • You answered "No" to Fully Insured plan, as well as completed doctor's information. The insured must sign for themselves for the contract to be graded or fully insured.

Only Section A is required if:

  • The payment plan is Dollar for Dollar.
  • You are writing a Single Pay contract and still want to receive commissions.

If you are unsure how to answer a question, click the blue Underwriting Guidelines link at the top of the section.

 

Goods and Services

Select the pre-need goods and services that will be used at the time of need.

This includes Facilities, Equipment, Transportation Services, Merchandise, Printed Goods, or Cash Advance Items. Selections and availability will vary by state.

For most states, this tab will not show up if Insurance Only is selected in the insured information tab.

The top section of the Goods and Services tab shows itemized pricing for anything selected, subtotals, and discounts. 

On the Go (OTG) Protection, served by Sepio Guard, has it's own section under the Total and will be charged and paid separately. ("OAP" for Precoa users)

Select a pre-built package from Selected Package drop-down OR select individual items to create a custom package.

If creating a custom package, make sure to select a Funeral Disposition. 

Things to know about customizing a package:

  • Prices can be edited. Entering $0.00 will mean the item is included.
  • If an item has a description box or quantity field, it is recommended to fill them out as best as possible as those fields are required in most states.
  • Checking By Family next to an item will print "By Family" on the contract. This lets the family and funeral director know the item was discussed, but the owner decided for the family to choose if they want to purchase it at time of need.
  • Checking Prepaid next to an item allows the customer to let anyone viewing the contract know that the item has already been paid for.
  • Some states have a Taxable option that will auto-calculate taxes on an item.

taxable

Caskets, Outer Containers, and Urns are selected using the drop-down. If the customer's preference is not listed, the name and descriptiontion can be added manually.

Compare options with the customer after entering the package information using the Add to Comparisons button. (Use the "Funeral Cost Estimate" for Precoa)

Enter any discounts into to the Discount field and add a description.

 

Payment Options

Here you are able to view the contract's Funding Status: Fully Funded, Partially Funded, Unfunded, or Overfunded

Select the payment plan: Single Pay, Multi Pay, Dollar for Dollar, or Flex.

If selling On-the-Go Protection, choose how the customer is paying.

Select Hold for Processing if you do not want payments processed right away.

We cannot hold for processing on Credit Card payments.

There is a CWA (Cash with Application / down payment) and a Premium field.

Next you will select payment options for multi pay, dollar for dollar, flex pay, etc. There is a rate table with available payments based on the length and frequency of payments.

Use the Interest Inflation Calculation tool to compare cost for the selected preneed based on the insured's life expectancy.

List any existing policies in the Existing Policies field.

Cash With App Payment Info is where you will provide payment inforomation for the down payment.

 

Legal Parties

The insurance application requires names and information of individual Legal Parties.

Legal Parties include the applicant/purchaser, beneficiary, payer, and/or residual owner.

Not all of these may apply to the state in which your write business.

Be sure to go through each sub-section on the left menu.

Select the name from the drop-down menus or click Add New Person.

 

Authorizations and Disclosures

Questions in the Authorizations and Disclosures tab varies by state. Here is a general outline of the sub-sections you might see.

The Contract Information section will ask questions about Existing Policies, Irrevocability, and if someone else is going to sign on behalf of the insured.

If someone is signing on behalf of the insured, you must add them to the People section of the contract and mark them as POA, Guardian, or Appointee in order for them to appear in the dropdown menu.

You have a few options for attaching additional files and forms to the contract:

Legal documents must be submitted for the contract to be processed.


The State Information section has a Goods and Services Statement where you can list any service that has a charge associated for obtaining it.
Example: Obtaining food for a luncheon, obtaining doves for release, etc.


The Administrative Information section allows you to list anything added to the contract as a result of law or cemetery requirement (ex. Outer Burial Containers).

In this section you will:

  • Provide a reason for selecting Embalming.
  • Indicate whether the contract is being sold outside of the Funeral Home.
  • Let us know if items will be mailed seprately for this contract. Choosing Yes will generate a Mail Transmittal form.

 

Verification and Signature Collection

To begin signing and finalizing the contract, click Contract Verification.

There are three verification types:

GREEN means there are no issues.

BLUE means you have the option to provide more information.

RED means there are issues that must be resolved.

Click Ok.

Verification Messages will now visible at the bottom of your screen. Click any of the messages and DIGicon will automatically switch to the tab with the issue.

Click Contract Verification again to check for errors. Continue until all is resolved.

Once you recieve all GREEN (or BLUE) icons, click Review Contract Forms. 

Choose how you want to collect signatures:

  • Electronic Signatures - Customer signs on your device using a trackpad, touchscreen, or signature pad.
  • Paper Signatures - Contract must be printed for a wet signature.
  • Online Signatures - A link is emailed to the customer for them to sign online. 
    • DIGicon will ask you to confirm the email address before you continue.
    • Currently not available for Credit Card transactions.

Complete all the signatures by click the sections on the left side menu.

Click Finalize.

Click Yes to confirm you are ready to finalize!

 

If you do not answer the final question before closing DIGicon, your contract will not be finalized and signatures will be lost.

Once finalized, you can print or email documents using the pop-up window.

Now you can close the contract and Sync Contracts from your dashboard. Make sure sure all contracts are closed and you have a good internet connection.

 

 

If you have any questions or concerns, please contact the Help Center at (800) 692-5125 or email help@funeraldirectorslife.com.