The document provides instructions for completing an electronic application (e-App) for insurance through Fidelity Life. It outlines the steps to: 1. Create an illustration to begin the e-App process. 2. Enter policy owner and existing customer information. 3. Navigate through the e-App sections to provide all required personal, medical, and payment details. Features like address searching and dynamic questioning streamline the process. 4. Review all entered information before submitting the completed application for underwriting assessment and decision.

1. Protecting the NZ way of life
fidelitylife.co.nz | 0800 88 22 88
salessupport@fidelitylife.co.nz
e-App
(ElectronicApplication).
QuickStartGuide.
Web Apollo

2. Introduction 2
1. Creating an illustration 2
2. e-App set-up Policy owner identification 3
Residency confirmation 3
Existing customer information 3
3. Completing an e-App Starting-up 4
Main menu 4
Progress bar and navigation functions 4
Completing all sections 5
Smart search functions 5
Duty of Disclosure 5
Underwriting questions 6
Medical and occupation 7
Family history 7
Client pursuits 7
Payment details 8
Review process 8
Submit application 9
Assessment decision 9
4. e-Apps management Partially completed e-Apps 10
Application withdrawal 10
Contents
1

3. Fidelity Life’s e-App is the future of doing business.
With its built-in intuitive underwriting engine, e-App can deliver on the spot decisions and cut
processing time for complex applications. Plus clever features such as self-populating doctor
details and address fields and an automatically generated policy number make your job easier
and faster.
In the long run, it all adds up to saving time for you and your clients – and that’s smart.
The following guide will help you get started.
Introduction
2
Before you can access the e-App, you’ll need to create a valid illustration with the following
information for each life insured (1A):
• First and last name
• Date of birth
• Title
• Gender
• Occupation (important)
• Payment Frequency (this can not be changed after you begin the e-App)
• Relevant cover details
Once the illustration has been created, the Online Application button will be enabled at the top
of the page (1B). Click to begin.
1.Creatinganillustration
(1A)
(1B)

4. 3
Policy owner identification
First you’ll need to confirm the policy owner details brought through from the illustration.
All fields will need to be completed.
To add an additional owner, click Add Owner - Individual for an individual, or Add
Owner - Organisation to add a company (2A).
Relationship
For each additional owner, you will need to add a relationship between the new owner
and the life assured (2B) (2C).
Mail recipient
Select the mail recipient and click Next (2D).
Residency confirmation
Next you need to confirm the residency status of the life assured. If the life assured is applying
for a nib health product and does not meet the nib residency rules then you will be prompted
to remove the health products from the application before proceeding (2E).
Existing customer information
You now need to capture any existing policies that your client has with
Fidelity Life. You also need to identify if the new policy is replacing the existing policy, or if the
existing policy is being retained (2F).
If they don’t have any existing policies with Fidelity Life then leave the option as No
and click Next (2F).
Otherwise e-App will search Fidelity Life’s systems for any existing client records based on the
client information (2G). After selecting an existing customer or No match from the returned
results (2H), click Begin e-App to start (2I).
NB: After you click the e-App button you will not be able to edit the illustration further.
This includes the payment frequency and cover details.
2.e-Appset-up
(2A)
(2B)
(2C)
(2D)
(2E)
(2F)
(2H)
(2I)
(2G)

5. 4
Starting-up
The e-App takes up to 15 seconds to start-up and will then launch the Personal Details section (3A).
Main menu
Main menu options include:
Home Go to the Fidelity Life Adviser Centre
Forms Download and print a Declaration page or Direct Debit form
Adviser Details Change your commission details and adviser commission splits
Privacy Information Privacy Act details
Help Help guide
Progress bar and navigation functions
Navigation menu
The progress bar on the left will indicate where you are at in the four-step application process:
StepOne Completeallpersonaldetails,doctordetailsandallapplicationquestions
fortheunderwritingprocess.
Step Two Confirm the policy owner details. The information will be automatically populated
if the life assured is also the policy owner.
Step Three Confirm the policy payment details.
Step Four Review all client answers before submitting the application to Fidelity Life.
As you successfully complete each section, the red cross icon will change to a green tick.
Multiple lives
If there are multiple lives on the same application, each life must be completed separately during
the application process–oneaftertheother.Thisletsthee-Appdynamicallyunderwritetheclientbased
ontheanswersonelifeatatime.
Navigation buttons
Use the Next, Save and Back buttons to navigate between pages of the application form.
The application form automatically saves each time you click Next. Or you can save it manually
and return to it later if you need to. If you click Save, or if the system crashes during the application
process, the application will be available from the Adviser Centre.
3.Completingane-App
(3A)

6. 5
Completing all sections
The e-App ensures all questions are answered to fully underwrite an application. Mandatory fields
are marked with a red asterisk and must be completed before proceeding (3B).
Smart search functions
Address search
The e-App contains a smart search tool that lets you search for a client’s address in the Search Mailing
field. The address search tool also contains PO Box addresses.
Once selected, the system will automatically populate the address fields.
Repeat the same address search in the separate physical address field if required, or copy the mailing
address to the physical address by clicking the Copy Mailing to Physical button.
Doctor search
Our doctor search tool lets you easily look up your client’s doctor by entering the doctor’s first or last
name or the name of the medical practice. Once selected, the details will be automatically populated.
Duty of Disclosure
After you have completed the doctor’s details, click Next to progress to the Duty of Disclosure list (3C).
Go through this with your client before proceeding to the underwriting and application questions.
Tick the box to confirm Duty of Disclosure and start completing the application questions.
(3B)
(3C)

7. 6
Underwriting questions
Depending on the amount of cover and the type of cover the client is applying for, the questions
will be dynamic and specific to what is being applied for.
Quick tip: Hover over a blue question mark to see further details about the specific question
Quick links
After completing each section, the section heading will appear at the top of the page so you can
easily go back and edit answers if you need to (3D).
Dynamic questions
The e-App will dynamically ask questions based on the client’s previous answers, so you will only
see a question if an answer is required.
If you are applying to more than one other insurer, click Add to complete a section for the
second insurer (3E).
Imperial to metric conversions
When completing the client’s height and weight, you will choose either imperial or metric
measurements from the conversion table. One imperial measurement converts to up to three metric
measurements i.e. 5ft 9ins converts to 174cm, 175cm and 176cm. If this is the case for height, select the
tallest metric measurement. If the weight measurement converts to multiple imperial measurements,
select the lightest imperial measurement.
(3D)
(3E)

8. 7
Medical and occupation
Occupation
Once you have typed in the client’s occupation, hit TAB on the keyboard to see a list of occupations
that either match or are similar to what you have entered. Select an occupation from this box and click
Replace (3F). This will increase the chance of getting an assessment decision at the point of sale. If you
do not select an occupation, the application will be referred to an Underwriter to review these details.
Medical
The e-App medical smart form works the same way. Type in a medical condition and the smart form
will pop up with similar options. Select the correct condition and click Replace so the underwriting
engine can continue to assess the medical condition accurately.
Family history
When you complete the family history section and answer Yes to the first question, a scroll bar
will appear, so you can complete further details.
Select which relation had the medical condition (3G). Next select the medical condition they suffered.
Finally you will select the age of onset.
If you have one family member with multiple conditions click Add, then select the same relation
again and select another condition. Repeat this process for all relations and all conditions.
Client pursuits
When you complete the questions around the client’s pursuits you will be asked to answer
Yes or No if they participate in any of the pursuits (3H). If Yes, you will need to complete further
questions on each pursuit after you click Next.
(3F)
(3G)
(3H)

9. 8
Payment details
After completing the underwriting questions you will need to complete the Payment Details section (3I).
If you have selected Monthly payments on the illustration, you will only be able to select Direct Debit
as the payment method. If your client wishes to change the frequency, you will need to call
New Business after you have submitted the application.
If the payment method is by Direct Debit, select the commencement date for the Direct Debit
from the drop down box.
If you are also applying for nib health cover you will need to complete the nib payment details as well.
Review process
After confirming the payment details, you and your client will need to review all answered questions
and tick the box for each section to confirm this has been done (3J). If you need to change an answer,
click on the red section heading to return to the section (3K).
(3I)
(3J)
(3K)

10. 9
Submit application
After reviewing the application, click Next to see the declaration box. You must read the information
and tick the box to confirm.
Once you confirm the declaration, the Submit e-App to Fidelity Life button will become available (3L).
You can continue to review the application or submit it to Fidelity Life.
NB: Once you click Submit e-App you will not be able to change any further details in the application
through the system. If any changes need to be made you will need to email new business to make any
changes to the application.
Assessment decision
Afteryousubmitthee-Appyouwillreceiveapolicynumberandanunderwritingassessmentdecision(3M).
Email confirmation
An email will be sent to you confirming the following details:
• Policy number
• Assessment decision
• Adviser details
• Commission details
• Fidelity Life contact details
• Copy of the application form
• Copy of the illustration
• Copy of a declaration form
Download documents
Click Download under Next Steps to save a copy of all the documents (3N).
(3L)
(3M)
(3N)

11. 10
Partially completed e-Apps
You can access incomplete e-Apps from the Adviser Centre. Just click on the Incomplete Electronic
Applications section on the Proposal Progress page (4A).
Click on your client’s name to return to the last page that you completed on the e-App.
Application withdrawal
To withdraw any partially completed application from the Adviser Centre, click on the
corresponding icon in the Withdraw Application column (4A). Enter a reason in the pop up
window then click Send Email, and the New Business team will be notified (4B).
You will receive a ‘sent’ confirmation when the email has been sent, and be notified by email
when withdrawal is complete.
4.e-Appsmanagement (4A)
(3O)
(4B)
Add additional information
Click Add additional information under Next Steps to upload any supporting documentation
or to add additional notes to the application (3N).
1. Click Add files to add any file stored on your PC (3O).
2. Type any additional information in the Additional information text box (3O).
3. Tick the declaration confirming that any decision that had been made through the E-app will
be withdrawn, subject to an underwriter reviewing the additional information supplied (3O).
End e-App session
To complete the e-App session tick the two boxes under Next Steps (3N):
1. Send signed declaration form(s) to Fidelity Life
2. CompleteasigneddirectdebitformandsendtoFidelityLife,thenclicktheEndmye-AppSessionbutton.