field underwriting
What Is Field Underwriting in Life Insurance?
Field underwriting drives 20, 40% higher close rates. Learn the core process, compliance rules, and how accelerated underwriting cuts issuance from weeks to 24 hours.
5 min read
Kadence Glossary — Page 4
Glossary
The Kadence Glossary
Page 4 of 9.
aged leads
What Are Aged Leads in Insurance? Definition, Costs, and Conversion Benchmarks
Aged insurance leads cost 70, 90% less than real-time leads. See 2026 conversion benchmarks, tiered pricing, contact cadence, and current TCPA compliance rules after the FCC rule was vacated.
6 min read
policy replacement
What Is Policy Replacement in Life Insurance?
Policy replacement triggers NAIC Model 613 compliance rules, a 5-business-day insurer notice deadline, at-application disclosures, and state penalties for repeat violations. Here is the agency operator's framework.
4 min read
carrier appointment
What Is a Carrier Appointment in Insurance?
A carrier appointment is the formal regulatory authorization that lets an agent legally sell a specific insurer's products. Learn timelines, compliance rules, and the 8-to-15 appointment benchmark for independent agencies.
6 min read
lead economics
Exclusive vs Shared Insurance Leads: What's the Difference?
Exclusive leads cost $20, $50 and convert at 8, 15%. Shared leads cost $8, $20 but convert at just 1, 5%. Here's the operational math every agency owner needs.
5 min read
PPGA
What Is a PPGA (Personal Producing General Agent)?
A PPGA earns dual compensation from personal sales and sub-agent overrides. Learn how the PPGA model differs from career agents, how licensing works, and what it means for agency growth.
6 min read