Know which carrier says yes — before you hang up.
Twelve carriers, cross-referenced condition by condition, sorted best-odds-first. Built for the moment a client mentions a diagnosis you weren't expecting — mid-call, not after.
Cardiomyopathy
LOOKED UP · 6 SECThe client says a word you weren't ready for.
You're forty minutes into a call. Rapport's built, the numbers are agreed, and then it comes: "Well, I do have COPD" — or cardiomyopathy, or a stent from two years back, or a medication you don't recognize. Guess wrong on the carrier and you either burn the application on a decline, or quote a plan that turns out to be graded when you told them it was day-one.
Either way costs the client something real — a declined app can hurt their insurability with the next carrier too.
Most agents carry this knowledge in their head, built up case by case, carrier by carrier, and it goes stale the moment a carrier updates a guide. This is that same knowledge, kept current, searchable in one field instead of twelve PDFs.
Everything sorted the way you'd want it sorted.
Not a scanned copy of twelve agent guides. Every condition is cross-referenced across all twelve carriers and ranked by outcome, so the best option for your client is always the first thing you see.
Best-odds-first, every time
Day-1 coverage, then Graded, then Guaranteed Issue, then Decline — that order, on every single condition, so you're never scanning a table to find the good news.
Time-band strips
Most conditions aren't yes/no — they're "yes, after 2 years." Seven time bands per carrier show exactly when a decline turns into a day-one approval.
Source-verified, not guessed
Every entry is traced back to a current carrier guide. Where two carriers genuinely conflict, it's flagged as unresolved instead of quietly averaged.
Three steps, all of them fast.
Type the condition
Word-boundary search finds it from a partial word — "cardi" gets you to cardiomyopathy without a scroll.
Read it top to bottom
Carriers are already ranked by outcome. The first row is your best shot at day-one coverage.
Quote it with confidence
You know the plan tier and the exact wait, if any, before you say a number out loud.
One plan. Everything included.
Full access to all twelve carriers, updated as guides change.
- ✓ All 12 carriers, one search bar
- ✓ Live updates the moment a carrier changes a guide
- ✓ Mobile-friendly — built for use on a live call
- ✓ Cancel anytime, no long-term contract
Before you buy
Is this affiliated with the carriers it covers? +
No. This is an independent reference built by a working agent, from publicly available agent guides. It isn't produced, reviewed, or endorsed by any carrier named inside it.
How current is the data? +
Every entry traces back to a specific carrier guide, and the source is cited on every row. When a carrier publishes a new guide, the relevant sections get rebuilt from it — not patched from memory.
What happens right after I pay? +
You'll get an email with your access link within a few minutes of checkout. If it doesn't show up, check spam first, then reach out — see contact below.
Can I share my login with my team? +
This plan is licensed to a single agent. If you're looking to cover a downline or agency, reach out — a team option is coming.
Can I cancel anytime? +
Yes. Manage or cancel your subscription anytime from your account page — no call required, and you keep access through the end of the period you already paid for.