Standard Operating Procedure

The purpose of this SOP for your Cahill Investments Inc. and First Service Janitorial LLC is to create a structured framework that ensures efficiency, consistency, and high-quality service delivery in their respective industries. Here's how the purpose applies to both:

✅ Efficiency and Scalability: SOPs in both companies enable streamlined operations, reduce errors, and support growth.


✅Client Satisfaction: They ensure client expectations are consistently met, whether for financial services or cleaning.


✅Employee Support: SOPs empower employees with clear instructions, enhancing confidence and performance.


✅Business Continuity: Protects the businesses from disruption by providing a reliable reference for operations during staff turnover or absences.

Cahill Investments Inc

✅Standardizing Client Solutions: Ensures consistent delivery of personalized financial solutions, such as retirement planning, insurance services, tax planning, and investment strategies, tailored to client needs.

✅Compliance and Risk Mitigation: Aligns operations with regulatory requirements, reducing compliance risks and protecting client interests.

✅Efficient Workflow: Streamlines processes for insurance processing, bookkeeping, and customer service, enabling employees to focus on providing value-added services

✅Improving Client Trust: Builds confidence by delivering transparent and professional services that reflect the company's core values.

✅Training and Scalability: Provides a resource for onboarding new team members and scaling operations while maintaining service standards.

First Service Janitorial LLC

The purpose of the SOP for the First Service Janitorial LLC to ensure an organized, efficient, and systematic approach to managing client accounts and internal processes. This SOP is designed for internal use to streamline the workflow from proposal creation to account management and follow-up, ensuring consistency and accountability across the team.

Key Objectives:

✅Standardizing Proposal Creation: To define clear guidelines on how and when to create proposals for prospective clients, ensuring consistency and professionalism.

✅Efficient Onboarding Process: To establish a structured process for managing new accounts, including janitor assignments, service schedules, and client documentation.

✅Financial Accountability: To provide clear steps for handling payments, including promissory notes for unpaid balances, ensuring timely and transparent communication with clients.

✅Seamless Account Assignment: To assign accounts to appropriate team members, ensuring clarity and accountability in service delivery.

✅Invoicing and Follow-Up: To define a systematic process for issuing invoices, tracking payments, and following up on overdue accounts to maintain cash flow and financial health in service delivery.

Basic Stages of Insurance Application Process

1. Initial Appointment and Client Discovery


2. Second, Third Appointment (if needed) and Collecting Clients Information

3. E-Application (E-App) Preparation

4. Processing Stage

5. Provider-Specific Steps


6. Client Confirmation and Signature Collection


7. Finalization and Compliance Checks

8. Adding SRA or Changing (confirm new school district, amount and schedule)

9. Storing Clients Data to the CRM


10. Waiting Stage (Follow-Up Monitoring) and Resubmissions if needed

Filling Out The Transfer Paperwork

1. Confirm with Ryan if Acord is needed or the surrendering company has their forms to withdraw the account or transfer funds.

2. The transfer paper work is called "ACORD FORM" and can be found on the E-App Process for Midland National Carrier.

3. After filling out the information needed, ensure client signed the page 3(4) of the form and have it back via fax or email in a clear copy.

4. Fax or confirm with Ryan how to proceed for the withdrawal/transfer process.

Salary Reduction Agreement (SRA)

Do you know if the client agreed to their monthly SRA (IRA, Roth, 403b, 457b), Life or Annuity? Confirm with Ryan to make sure you can add it to the E-application form before submitting.

1. Go to 403bcompare > Find their School District (where their School Head Office belongs to)

STILL NOT SURE?

Frequently Asked Questions

Not sure

Question 1: Should I turn on my VPN each time we open Midland, National Life Group, and Advisors Excel?

Only if accessing outside US otherwise coz it tracks our IP Address.

Question 2: Which website to process the SRA and third-party approval, such as New or Exchange?

Visit 403bcompare.com and watch how to do them using the video tutorial above.

Question 3: Does Midland, National Life Group and Advisors Excel (Surance Bay) follow the same time zone?

No. Midland follows EST which is 2 hours difference from PST for National Life Group and Advisors Excel.

Question 4: How many applications are we submitting daily?

Maximum applications can vary once all data information are available (max 1-2)

Meet the Team of Professionals

Ryan Cahill

Agency Owner

Rebecca Palma

Managing Director

Karen Mahinay

Quality Insurance Specialists

Jeff Rusin

Marketing & Technical Manager

Apple Red Rose

Leads Specialists

Edesa Abecia

Project Manager