> For the complete documentation index, see [llms.txt](https://docs.whiteswan.io/partner-knowledge-base/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.whiteswan.io/partner-knowledge-base/backnine-integration/capabilities/instant-quotes.md). # Instant Quotes The BackNine integration enables the White Swan platform to provide instant quotes for Term Life, Guaranteed Universal Life, Whole Life, Indexed Universal Life, and Variable Universal Life policies, as well as instant applications for these quotes and case support. Once the BackNine integration is active, these instant quotes are available both through the [guided flow](/partner-knowledge-base/platform-overview/client-experience/guided-vs-quick-quote-flow.md) and the [quick quote flow](/partner-knowledge-base/platform-overview/client-experience/guided-vs-quick-quote-flow.md). {% hint style="info" %} To provide instant quotes you need to be licensed in the state in which the quotes are requested. {% endhint %} While these quotes are available for 30+ carriers, the depth of alternatives differ for different policy types and request specifics. Because of this, any user that requests instant quotes can also request a custom quote, which allows you to [create a custom quote](/partner-knowledge-base/platform-overview/using-the-platform/instant-vs-custom-quotes.md) for any other policy to compare against the alternatives available through the instant quotes. Another aspect to be aware of with the instant quotes is that there are some data points which are available for [custom quotes](/partner-knowledge-base/platform-overview/using-the-platform/instant-vs-custom-quotes.md) that aren't available for instant quotes, such as death benefit growth over time, internal rates of returns, account allocations, retirement income, and more. On the flip side, there are some data points which aren't available for [custom quotes](/partner-knowledge-base/platform-overview/using-the-platform/instant-vs-custom-quotes.md) that are available for instant quotes, such as the credit rating and founding year of the carrier, whether the product supports instant underwriting or approval decisions, and more. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.whiteswan.io/partner-knowledge-base/backnine-integration/capabilities/instant-quotes.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.