Quility Navigator review for insurance agents: pricing, carriers and features
Quility Navigator asks pre-underwriting questions and quotes term, final expense and IUL. Five carrier products go from the quote straight into an e-application, and it tracks clients and cases.
It's included for agents contracted through Quility who finish the Navigator training.
- Best for
- Quility-contracted agents selling term, final expense and IUL who want pre-underwriting before they apply
- Lines
- Term, final expense and IUL
- Price
- Included with Quility contracting
- How you get it
- Through Quility HQ after Navigator training
- Carriers
- Many for quotes. Five products you can apply for inside Navigator
- Applications
- Direct e-applications for five carrier products
Our take
Navigator suits a Quility agent who wants to screen health before quoting and apply without leaving the tool. The product-level build and knockout rules are more detailed than most quoters.
Only five products go straight to e-application. Everything else ends on the carrier's site.
Access ends when you leave Quility, so keep your own records.
Pros
- Free for Quility agents
- Detailed pre-underwriting with knockout rules
- E-applications for five products from the quote
- Quote proposals you can edit and email
- Test Drive to practice the e-app
Cons
- Only for Quility-contracted agents
- No export promised when you leave
- Only five products apply inside Navigator
- No consumer quoter or app
Plans and pricing
| Product | Price for Quility agents | Retail | What it is |
|---|---|---|---|
| NavigatorQuoting and e-appsWhat every agent gets | Free | Pre-underwriting, quotes, five direct e-applications and case tracking | |
| Agency Rocket My New RetirementAdd-on | $62.95 | $69.95 | An IUL sales concept with illustrations |
| Agency Rocket Banking Action PlanAdd-on | $89.95 | $99.95 | A cash-value banking concept |
| Agency Rocket Debt Action PlanAdd-on | $107.95 | $119.95 | A debt payoff concept |
As of October 2026, from Quility HQ help pages. Each concept needs its own certification.
Access and contracting
- How you get it
- Log in to Quility HQ, finish Navigator training and earn the badge
- Who pays
- Quility, for Navigator
- What you need first
- A state license, the carrier appointment and an active writing number in HQ
- If you leave your upline
- Access ends right away. No export is promised
Keep your own copy of your book. Quility can end access for any reason, and its terms tell users to keep an independent copy. Nothing says your clients or cases follow you if you leave.
Carriers, products and states
| Carrier | Product | Line | States |
|---|---|---|---|
| American Amicable | Quility Secure Future Preferred | Final expense | Occidental replaces it in six states |
| United Home Life | Quility Secure Future Complete | Final expense | Not in Pennsylvania, North Carolina or Montana as of March 2026 |
| Banner Life | BeyondTerm | Term | All but New York |
| SBLI | EasyTrak | Term | 49 states and DC, not New York. Montana paused |
| F&G | Quantum | IUL | 49 states, not New York |
- Carriers
- Many for quotes. The full list isn't published
- Carrier list
- Navigator carrier summary
- States
- Set by your licenses, synced overnight from SureLC
Product list from Quility's help center in October 2026. Other carriers quote in Navigator, then you apply on the carrier's site.
Rates and underwriting
- Fixing a wrong rate
- Compare with the carrier portal, take screenshots of both and ask a Navigator live agent
Pre-underwriting
- Health and coverage questions
- Build checks
- Rate class guidance
- Product knockout rules
- Driving and financial checks
Data checked on some products
- MIB
- Prescription history
- Motor vehicle records
- LexisNexis
There's no prescription lookup across all carriers. The carrier makes the final class decision.
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | Premiums for products the client may qualify for |
| Quote proposal | Several quotes in one document you can edit and send |
| Carrier illustration | F&G Quantum through Agency Rocket |
- What you can send the client
- A PDF or an email
Applications and enrollment
- Where the application goes
- The carrier's e-application, for the five products above
- E-signature
- Links by email and text. The client confirms with ZIP code and last four of the SSN
Coverage starts only after the client signs, accepts and pays. Some final expense apps decide instantly.
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| SureLC and Quility HQ | Licensing | Nightly sync | In | Licenses, appointments and writing numbers |
| Carrier e-apps | eApp | Apply button | Out | Starts the application from a quote |
| Agency Rocket | Illustrations | Built in | Both ways | F&G Quantum illustrations and applications |
| Switchboard Sites | Website | Paid add-on | Out | A Quility website with the Navigator e-app |
Getting started
Contract with Quility
Your agency handles licensing and carrier contracting.
Take the training
Finish Navigator training in Quility U and earn the badge.
Try Test Drive
Practice the agent and client e-app once you have a writing number.
Quote and apply
Open Navigator from HQ and apply for one of the five products.
Navigator chat runs 8 a.m. to midnight Eastern on weekdays and 8 a.m. to 5 p.m. on weekends.
Mobile, users and security
Mobile
Navigator runs in a browser. The SBLI path works on a phone, but not every feature does.
Users and security
- Access tied to training, appointments and writing numbers
- Client signing checked by ZIP and SSN digits
Contract and your data
- Canceling
- Quility can end access for any reason. Paid add-ons can be canceled before renewal
- Refunds
- None on paid add-ons unless the law requires
- Your data when you leave
- You own it, but no export or retrieval is promised
- Terms
- Quility terms
Terms read in October 2026. Quility can use and share customer data under its privacy policy.
Quility Navigator alternatives
- BackNine Quote & ApplyFree with contractingLife quote to eApp, free with BackNine contracting
- IntegrityCONNECTFree with contractingLife, Medicare and ACA tools free with Integrity contracting
- iPipeline LifePipeThrough your BGATerm and GUL quoting into iGO, usually free through a BGA
- Insurance Toolkits$39.99/agent/moFinal expense and term quotes with health screening, no upline needed
- Quoteplicity$59/moFinal expense and term quotes with underwriting and an eApp path
See every option in insurance quoting software.
Frequently asked questions
Is Quility Navigator free?
Yes, for Quility-contracted agents. Agency Rocket sales concepts cost extra.
Which carriers can I apply with in Navigator?
American Amicable, United Home Life, Banner Life, SBLI and F&G, for one product each.
How do I get access to Navigator?
Contract with Quility, finish the Navigator training in Quility U and open it from HQ.
How we researched this review. We based this review on the pricing, terms and product pages published by Quility Navigator, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Quility Navigator quit selling or a contract term that reads different now, let us know and send the link to the page where Quility Navigator has it. Somebody here pulls up that page and checks it before we change anything on ours.