FireLight eApp™ vs MortQ Mortgage Qualifier

As an advisor, it is key to be able to capture business anytime, anywhere, no matter if you’re selling Annuities, Life, Long Term Care or Mutual Funds products. FireLight® is an electronic application platform that simplifies the application process, providing advisors a step-by-step guided process to gather all required form information to be submitted to the carrier. The FireLight eApp by Insurance Technologies provides advisors immediate and secure account access to capture client data on up-to-date carrier applications as well as client signatures, expediting the sales application process. Features: • Easy check out, check in application package process • Required data field display • Real-time form completion display • Signature capture • Application history tracking How the FireLight eApp works: 1. Check out an existing application from the FireLight web portal. 2. Complete data entry and capture client signature. 3. Check in the application to the FireLight web portal to submit for final processing. A network connection is needed to check out and check in an application, but once the application is checked out, all data entry and signatures can be done offline. While an application is checked out all data is stored securely. This app can only be activated by authorized FireLight users whose firm or carriers are a licensed FireLight client with Insurance Technologies. To submit applications electronically using the FireLight eApp obtain an access pin from your FireLight web access or speak with your home office to determine if your firm is a licensed FireLight client. To start using the FireLight eApp: 1. Log in to your FireLight web portal with existing credentials. 2. Go to My Preferences. 3. Under Mobile Access, click Add New Device. 4. An Access Pin will be provided. 5. Enter the Access Pin and Create a Device Name (e.g., Work iPad) to activate FireLight eApp (you will only be required to enter the Access Pin during initial setup of the app).

MortQ is a mortgage payment calculator designed by a real estate professional to quickly calculate the metrics used by lenders and cooperative apartment boards to qualify real estate purchasers. MortQ provides access to a table of current mortgage rates that can be selected, or users can enter their own rates. In addition to mortgage rate, term and principal amount, users can also enter other relevant monthly expense data and annual income data to calculate a monthly debt to income ratio (DTI) - a key factor in determining one's ability to borrow for and purchase a home. There are no advertisements in MortQ and no data is uploaded from your phone. All data entered is stored locally on your mobile device so that specific values can be changed for different property prices, mortgage rates, etc. A complete analysis detailing input data, after-purchase liquidity amounts, and estimated after-tax monthly payments can be emailed to save a text version of the app’s output. Each analysis can be stored as a separate MortQ data file to provide quick access to various property, income or rate scenarios.