Corporate Insight's 2015 Monitor Awards are out! The awards honor financial services firms for excellence in the online user experience they offer prospects, clients and advisors. Throughout the month of February, we will be releasing a series of slide decks highlighting the firms that received Gold Monitor Awards. Each of the nine slide decks will focus on a specific industry within financial services. The Life Insurance Monitor Awards recognize leading life insurance issuers for excellence in the online user experience they offer their prospects, clients, and advisors. Life Insurance Monitor Awards are given out across seven categories including: Public Homepage & Navigation Public Site Tools Public Site Product Information Client Account Information Client Account Management Services Advisor Literature Order Systems Advisor Illustration Systems The slide deck highlights the Gold Monitor Award winning firms in each category and explains why their online offerings were best in class.

1. 2015 Award Winners
Gold Monitor Awards
LIFE INSURANCE

2. AboutUs
Corporate Insight provides competitive intelligence and user experience research to
the nation’s leading financial institutions. For over 20 years, the firm has tracked
technological developments in the financial services industry, identifying best
practices in online banking and investing, online insurance, mobile finance, active
trading platforms, social media and other emerging areas. There are no assumptions
in Corporate Insight’s work – we use live accounts at all of the firms we research,
providing our clients with unparalleled, unbiased intelligence on the competition.
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Corporate Insight is happy to assist all Gold Monitor Award winning firms in promoting their honors.
For more information and to see examples of past promotions, contact us at PR@Corporateinsight.com.
Press Coverage

3. Corporate Insight is pleased to present our fourth annual Monitor Awards report in which we
benchmark the life insurance industry across seven crucial categories: Public Site Homepage and
Navigation, Public Site Tools, Public Site Product Information, Private Site Account Information, Private
Site Account Management Services, Advisor Literature Order System and Advisor Illustration Systems.
Within each category, we award Monitor Awards in gold, silver and bronze based on how well firms
meet our criteria.
As in past years, the Gold Medal is reserved for offerings that provide an exceptionally valuable service.
We award a Silver Medal for features that offer similar value but lack some of the outstanding attributes
and functions of the best offerings. The Bronze Medal recognizes features that offer an excellent or
unique service but do not meet the highest standards for a given category.
LifeInsuranceMonitor Awards

4. Public Site Homepage and
Navigation
Public Site Tools
Public Site Product Information
CategoryOverview
Private Site Account Management Services
Private Site Account Information
Promote Your Firm’s 2015 Gold Monitor Awards!
Corporate Insight is happy to assist all Gold Monitor Award winning firms in promoting their honors.
For more information and to see examples of past promotions, contact us at PR@Corporateinsight.com.
Advisor Literature Order System
Advisor Illustration Systems

5. Firms should offer well-organized public homepages that offer intuitive access to pertinent life insurance
information and site features. A clearly labeled navigational menu that utilizes flyout capabilities and the
promotion of life insurance resources are crucial for prospects looking to locate life insurance content.
Clients must be able to log in to their private site accounts from the homepage easily as well as locate
life insurance education information. Our evaluation also considers responsive design, as it is now
standard for prospects to be able to view public site content easily on their mobile and tablet devices.
AXA receives its second consecutive gold medal for its
public homepage. After making slight modifications to its
public site in 2015, the firm increased accessibility to its life
insurance products and educational information. The firm
continues to do an excellent job promoting its services with
eye-catching graphics, including an animated firm history
timeline. The page is well-organized with anchored links
providing access to its different sections. The main
navigation menu offers intuitive access to key site areas.
PublicHomepageand Navigation

6. Firms should provide a range of life-insurance-focused calculators and tools, including a life insurance
needs calculator, life insurance product selector and online quote tool, which can help prospects better
prepare for their life insurance needs. The tools should include a plethora of inputs for data mining,
quality results, action-driven solutions and recommendations. It is important to integrate life-insurance-
specific solutions with the firm’s products and services, educational content and sales strategies,
encouraging prospects to make actionable steps following the results.
State Farm receives top marks for its animated,
interactive and informative life insurance needs
calculator and quote tool. The tools generate
actionable recommendations, including explanations
of next steps with links to contact an agent. The firm
further excels in integrating the life insurance needs
calculator and product comparison feature into its
comprehensive quote tool. Both tools are easily
accessible within the public site.
PublicSiteTools

7. In our evaluation of public life insurance product information, we looked for dedicated product pages
with explanations of products, product benefits, downloadable resources and, if relevant, performance
details. Prospects should be able to locate pertinent information easily, and all information should be
presented in a jargon-free, digestible format, ideally supplemented by brochures, fact sheets or videos.
Firms were scored based on navigation to product information, product information detail, product page
structure and organization, availability of product literature, performance data for investment research.
Lincoln Financial earns a gold medal in 2015 for a
recent website redesign that yielded better
organized, informative product pages. The firm also
excels at integrating its performance center within
the product pages for its VUL policies.
PublicSiteProductInformation

8. Firms should strive to provide clients with a wealth of account information in a well-organized private
site layout. Presenting pertinent policy information successfully ensures that clients can better locate
and decipher policy details. Offering an archive of past policy activities in a user-friendly transaction
history table is helpful to inform clients of account activities. We assessed firms for this category based
on depth of account information and values, presentation and organization of account information,
transaction history platform and archive and location of account information and transaction history.
With MetLife’s enhancements to – among other
sections – its account information page, the firm
again earned a gold medal. Clients can continue
access a wealth of policy details on the private
homepage and on the dedicated account
information page. Policy details include face amount
value, beneficiary details, financial professional
information and premium information. Clients can
also quickly and easily access a list of policy changes.
ClientAccountInformation

9. Here, we examine clients’ abilities to manage their accounts and conduct transactions online. Firms
should provide a range of services for all types of policies and allow clients to easily update details on
the private site. The most convenient services include the ability to update, add and edit beneficiary
information; update mailing address; and update other personal details such as account owner name.
Ideally, clients can also pay premiums online and, for variable policies, conduct transfers and allocation
changes.
AXA receives a gold medal for providing all clients with
payment capabilities, beneficiary changes and options to
change personal information. Variable life policy holders
benefit from additional transactions, including future
allocations and funds transfers. Clients are able to manage
profile information, including contact information, unique
financial profile and investment strategy settings. The firm’s
intuitive interfaces are helpful and feature progress meters.
Clients can navigate to account services from multiple
access points on the private site.
ClientAccountManagementServices

10. To facilitate advisors’ business practices, firms should provide them with literature order systems that
effectively display and describe firms’ materials. Advisors should be able to locate documents with
multiple search options, allowing them to explore available resources using an assortment of criteria,
such as keyword, state, product name, type, etc. Firms should provide both filter and sorting options for
search results. Resources were evaluated based on order platform design, order process and options,
search and sorting capabilities, array of product materials available and selection of marketing materials
available.
Genworth earns a gold medal for its thorough
advisor literature and marketing material order
platform. The firm enhanced the look of its
platform since its 2014’s gold medal win and now
allows advisors to view materials in a more
intuitive mobile- and tablet-optimized platform.
Literature results are presented in a well-
organized layout that features search, filter and
sort capabilities.
AdvisorLiteratureOrderSystems

11. With illustration tools, advisors are able to produce sales ledgers for prospects interested in life
insurance products. The ledgers provide a hypothetical look at prospects’ policies of interest, ideally
highlighting product benefits, values, fees and performance. Prospects can then make informed
decisions about their life policy purchases. Firms should provide advisors with an easy-to-navigate and
intuitive illustration tool that includes pre-fill options, calculators, product materials and sales materials,
which would help clarify inputs and products. The ledger produced should be well-organized and easily
readable and must provide in-depth quantitative results and performance analysis.
MetLife earns a gold medal for continuing to provide
advisors with one of the most compact illustration
tools among all Life Insurance Monitor firms. The
ForeSight-powered illustration tool contains case
management features, pre-fill data options, an
underwriting calculator and various report preference
options. The illustration is also equipped with
marketing and product materials. The generated
ledger features a glossary and multiple charts and
graphs presenting product values and performance.
AdvisorIllustrationSystems

12. 2015Top GoldMedalWinners
2 32
In the 2015 Life Insurance Monitor Awards, AXA and MetLife
lead with two gold medals each, followed by Genworth,
Lincoln Financial and State Farm with one each.
22
MetLifeAXA

13. 646-751-6960
Aandrade@corporateinsight.com
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Alisson Andrade
Senior Analyst
Annuity Monitor and Life Insurance
Monitor
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