Today
Never-Lost
Every deep lead that stalled, ranked by how close it is to closing, whether it is heating up or dying, and how much premium is sitting in it. Nothing here can rot: past its chase cadence it screams at the top. Work this before any cold dial.
Command
One state per opportunity, one next action, one owner, one reason. This is the autopilot: it shows what needs your judgment, what the machine is holding on its own, and where revenue is leaking, and it guarantees nothing sits unowned.
Outbox
Every message waiting to go out, across every campaign. Cancelling one here stops that message without stopping the campaign for everyone else.
Operations
KEEP THE PROMISE / WORK THE BOOK
Your business, in motion.
Client care, your message identity, and execution you can actually read.
The automation operating system. Every automation, its switch, what it is working on, the audit trail of everything it did, and the health of every connected piece. The machine drafts by default; flip Full auto when you trust it to send.
Numbers
Every caller ID you dial from, ranked by whether people still answer it. A number that gets flagged as spam does not tell you, it just stops connecting. This watches the answer rate on each one and pulls a burned number out of rotation before it costs you a week of dials.
Inbox
Every SMS conversation, newest first. Replies arrive here without opening a lead. Opening one is the same conversation as Text on the file. Templates and contextual drafts are in the reply box of every conversation.
Get set up
Five steps, in any order. Each one is checked against your real account, so a tick means it works. Come back any time from Today.
Underwriting
One client profile, every carrier at once. Type two letters to find a condition or a drug. Each carrier reads OK, ASK, GRADED, NO or VERIFY, with the reason and the source underneath. Nothing here is a carrier decision, and anything the loaded guides do not cover says so instead of guessing.
People
One person, one file. Prospects and clients live here, and quotes, applications, calls, texts, policies, tasks and history stay attached to the same person. Saved views narrow the same records; they are not separate databases.
Contact Queue
Routine outreach the system can keep working. Personal promises and human-only work stay in Today / Tasks.
Pipeline
Every open deal, placed at the furthest stage its file proves: New, Contacted, Quoted, Appointment, Application, Underwriting, Approved and In force. It is the same stepper you see on a lead. Closed and do-not-call files are left off. Moving a card forward saves the status on the file.
Stale
No activity in 48+ hours. Call them or kill them.
Urgent
Payment issues flagged mid-policy. These are actual chargeback risk, act same day.
Dial
Pick who to call, choose how, then start. Everything else stays on this screen.
Ready to dial
Today's list0
Single
1 · Who to call
A live list, a saved list, or stages. Lists with nobody in them right now are hidden.
These update automatically as your book changes.
More filters: source, state, contact age, tag
2 · How to dial
3 · Start
Export / import call results
Exports keep the exact queue order and lead IDs.
Performance
The numbers that decide whether this works.
Weekly goal
Comp %
Script
Not on a call. Open a lead and hit Call to run the script live.
General principles, applies to every call regardless of product
- Be interested, not interesting. Listen more than you talk. They'll sell themselves if you ask the right questions and actually hear the answers.
- You be right and I'll be rich. Don't correct them on things that don't matter. Save your correctness for the parts that actually protect them, health questions, coverage details, the application itself.
- 3 yeses to open. Confirm name, DOB, address before anything else. Builds trust fast by confirming things they already know are true.
- Always option-close. Never leave an open question hanging. "Does that make sense?" or "which of these makes more sense for you" instead of silence after you explain something.
- Never coach an answer on a medical question. If the true answer is yes, it's yes, even if it changes the outcome. A policy issued on a misrepresented health answer can get rescinded when the family needs it most, that's worse than not writing the case at all.
Handle any objection
The ones likely at this point in the call are up top. Tap for the exact words.
Objection
Focus
Dials on, then a hard break. One block at a time, small target, defined stop.
Templates
Surfaced by where the lead sits. Send via n8n or copy.
My account
Every setting in ten sections: pick one from the list, or search by name. Each section starts with what is not set up yet, why it matters and the way to fix it.
My producer profile
This name is used everywhere in Pactline instead of your email or an internal user ID.
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Email signature / banner
Builds a Gmail signature with your photo, name, NPN, and a Book a time button. Fill it in, copy, then paste into Gmail Settings, General, Signature.
Uses your NPN, FFL email, callback number, and booking link from the n8n card in Settings, Integrations. Save those first.
Account
Appearance
Customize
Add your own statuses and call-outcome dispositions on top of the defaults. These are yours, they save with your account and follow you across devices.
What counts as required
Build
You are running v?. This reads the real deployed version.
If a deploy ever looks like it did not land, hard refresh with Cmd or Ctrl and
Shift and R; only clear site data if the number is still behind after that.
Dialer
Reach me when I am away from the desk
Dial goal and pace
Voicemail drop
Text after a voicemail
When the dialer leaves a voicemail, send this text straight after. A voicemail plus a text is what gets callbacks on aged leads. Use {name} for their first name. Sends once per person per day no matter how many times you reach their machine.
Every message must let people stop. Opt-out language is added to the first text automatically, and STOP replies are honoured.
Sending and calling numbers
Your number inventory lives on the server and is shared by Smart Caller ID and Smart Texter ID. Health, usage and resting state are shown in Campaigns, Numbers.
Your email: Gmail or Outlook
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API keys
Let an AI assistant (Claude Code, Claude Desktop) or your own software read your book and suggest work. Anything it writes is a proposal you approve first.
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n8n connection
One webhook does everything: dial via voice, send email/SMS, pull Knockout qualifications. Import the Pactline workflow JSON into n8n, activate it, then paste the production URL here.
Quoter links
Paste your Insurance Toolkits Lite Links. Each one you fill in becomes a one-tap button on every lead file, so you can quote FE, term, or IUL mid-call without hunting for a bookmark.
These links are tied to your paid Toolkits account, so keep them to yourself and colleagues rather than posting them anywhere public.
Notifications
Get pinged the moment a task goes overdue, even when this tab is in the background. Pin the tab and leave it open.
Your calendar: Google or Outlook
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Booking page
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Calendar feed
Your appointments and your own tasks in Google Calendar, Apple Calendar or Outlook. The link is yours alone and can be turned off any time; making a new one turns the old one off.
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Status automation rules
Decide what happens to a lead's status when you log a disposition, immediately or after however many times it happens. Applies to any status or disposition, built-in or custom.
Import CSV lead drop
Upload or paste a CSV. Pactline recognizes inconsistent headers (DOB / Date of Birth / birthday, comments / notes, activity / history), normalizes US states, preserves timeline history, and skips duplicate phones. Unknown data is never treated as a different field by guesswork.
Drop a file here to load it automatically, or paste directly above.
Flow: upload or paste → automatic mapping → review/correct → normalization → duplicate check → import → timeline history.
Duplicate numbers
List health
How far through each list you are, and whether it is still producing. A list with no contacts in fifty dials is burnt, and grinding it feels like work while earning nothing.
Data
Export weekly. This is your only backup.
Secure vault
Full SSNs and full bank account numbers are stored on the client file, encrypted with a passphrase only you know. Unlock once per session to read or save them.
Check my setup
Ten green ticks means every part of the calling machine is alive: login, phone engine, recording, transcription, and the AI. Run this any time something feels off, before assuming the app is broken.
Live fire test
The only proof that counts: the system calls YOUR cell through the exact same batch machinery it uses on leads. Answer it and say hello like a customer would. Pass looks like this: you hear ringback in the app the whole time, then a chime and your name in the app the moment you answer, and both sides can talk. If it stays silent or drops, the trail below will say why.
Two-way SMS pipeline
Live backend state, not a checklist. Reply to a Pactline text from your phone, then press Check.
Microphone check
Run this before a session. A dead headset costs you a whole block of dials before you notice.
Toolkits
Every quoter and underwriting tool, one tap away. Paste your links once and they live here.
Your daily dial engine
This drives the pace bar on Today and the ring while you dial. Set the number that realistically makes you a sale and the hours you dial. The app always shows the small catch-up number, never the scary total.
Goals
Your ramp, your daily bar, and whether today counted. Everything here is editable.
Calendar
One schedule for the things you personally committed to: appointments, callbacks, reminders and tasks. Routine automated outreach stays in Contact Queue.
Plan & billing
Your Pactline plan and prepaid Calling balance. Upgrade options stay out of the way until you ask to compare them.
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Operations
What the platform is doing for this organization: texts, calls, payments, the scheduler, workflows, campaigns and webhooks; every failure with what happened, why, when and which record, and the safe way to fix it.
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Data quality
Duplicates, bad phones and emails, missing dates of birth and timezones, stale leads, orphaned tasks and workflows, conflicting statuses, leads with no next step. Merges keep every text, call, workflow, policy, underwriting record, charge and audit line.
Scanning...
Admin
System health, automation audit and backups. This is the operator view, not part of selling.
Clients
Everyone on the books. Approved and in-force policies live here, out of your active lead list. Needs completing lists the files still missing a required field; what counts as required is set in Settings, Profile.
Rate freshness
Every product, sorted by how long since it was actually checked against a real current source. Carriers change products without warning, Eagle Select is the proof.
Quotes
Priced, but no application has gone in. Sorted oldest first, because a quote nobody followed up is how a sold case quietly stops existing.
Applications
Submitted and waiting on the carrier. Oldest first: the one that has been sitting longest is the one at risk.
Team command center
Loading your organization, role and production scope...
Agency pulse
What needs a manager right now
Fresh leads, stalled applications, overdue human commitments and incomplete producer setup surface here. Routine outreach stays in Contact Queue.
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My producer setup
Ready to receive business
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People & permissions
Owner/Admin can see the organization. Managers see their reporting tree in this command center. Agents see their own numbers. Upline is a reporting relationship; role controls permissions.
Notifications
Everything that needs you, newest first. What rings your phone is set in Notification settings.
Production
The headline row compares the range you pick with the period just before it. The filters apply to the whole page. Premium and commission count every sale on file by the date it was written; issued AP counts policies by the date they issued. Every number opens the records behind it.
Premium and commission
Chargeback riskIf live policies stopped paying today
Written and issuedThe funnel, with every record behind it
Career track
Where you stand on your compensation ladder, what the next level actually costs in issued business, and what this month has to look like. Contract levels count issued paid production. Bonuses count qualified premium, which is a different number.
AP & IP
What is on the books right now, and what is still coming. Every figure is the annualized premium of policies that actually exist, never a projection.
Pending Policies
Approved, not yet in force. Sorted by how long each has been sitting, so the oldest is impossible to miss.
Payout Calendar
Issued policies and the date the commission actually lands, from each carrier's own payout rule. Carriers with no rule on file are flagged, never guessed at.
Carrier Rates
Comp rate by carrier and product, advance rate, and when each carrier actually pays. Add a carrier, edit a rate, change a payout rule - one field, not a rebuild.
Leaderboards
Who is leading on submitted AP, issued AP, apps, closes, dials and talk time, for your team, your agency and your IMO. A sale posts here on its own when a lead becomes Sold, Approved, Client or In force. Across connected workspaces only these numbers are shared, never clients.
Commissions
Import a carrier commission statement (CSV or Excel). Each line is matched to a policy and written to its commission record, so paid, chargebacks and net earned come from the carrier's own figures. The reconciliation below compares what you expected with what was paid.
Reports
What actually happened, by day, by source, by outcome.
Call history
Every logged call, most recent first, across every lead.
Referrals
Grouped by who sent them. Referrals close far better than cold leads, worth knowing who's actually sending you business.
Client opportunities
Everything the book says is worth doing, ranked, from every screen at once. Every item names the record that produced it, and nothing appears here that the data does not support.
Rescue
People whose application ended but whose sale did not. Each row says what happened, why, what the objective is now and what to do next. Nothing here is a new lead and nothing here is an active application. A rescue only reaches Today when something is actually due.
Client lifecycle
What is owed on each client after the sale: onboarding, the first premium, the annual review, the beneficiary check. A milestone with no date behind it says which fact it is waiting on rather than inventing one.
Re-quote opportunities
Approved clients whose situation may have changed enough to be worth a check-in call, a graded period ending, or their real current age drifting from what's on file.
Agent OS
Continuous book coverage. Agent OS keeps routine follow-up moving on the server; your Tasks stay reserved for promises, judgment and exceptions. The status separates analysis from real customer outreach, so ON never quietly means doing nothing.
How outreach works: Agent OS can text only when business messaging is approved and each lead passes opt-out, DNC, quiet-hour and recent-reply checks. Held means a workflow is waiting on permission, timing, evidence or a human decision. Routine call steps go to Contact Queue and the Dialer, not your personal Tasks.
Checking status
Reading the server.
Approvals
Everything an agent wants to change waits here. Nothing happens until someone approves it.