MANUAL FIELD UNDERWRITERWATCH THIS VIDEO FIRST!
***TO QUOTE CARRIER CLICK BLUE BUTTONS BELOW***
Core Carrier Quoting & Underwriting Tools
How To Figure Out What To Write You Can Do This!
***TO QUOTE CLICK THE BLUE BUTTON FOR EACH CARRIER***
Step 1: Check Final Expense Cheat Sheets & Insurance Toolikits (ask your manager to set youj up with yuour FREE account!
Step 2: Check Underwriting Grids
Step 3: Check Application Health Questions
Step 4: Check Carrier Underwriting Guide & Call Carrier for Risk Assessment
Step 5: Post Your Question in Slack # In-Home-Help Channel
Step 3: Check Application Health Questions
Step 4: Check Carrier Underwriting Guide & Call Carrier for Risk Assessment
Step 5: Post Your Question in Slack # In-Home-Help Channel
Step 6: Still Unclear, Complete This Abbreviated "Simple" Qualification Form, Send to & In Addition call your manager to help you field underwrite your client's case. For a deeper look at your client complete the Valor's Financial Qualification Tool as well
*Email Myless Lamoree @ [email protected] CC: your direct manager on the email and request your FREE account be created with FEX Insurance ToolKit (3rd party underwriting quoting software)
*Search Your Question In Slack & Ask Question In Slack "In-Home-Help"
*Valors Carrier Underwriting Cheetsheet - CLICK HERE
*Major Medical Sickness "Look Back Period" 1. TERM & 2. FINAL EXPENSE
* 1 Pg Final Expense Cheat (Aetna not included)
*My personal #1 Favorite Term Grid Sheet
* Mortgage Protection Grid Aka Agency Dojo
*Underwriting Guide w/ Medical Conditions (Questions to Ask Client for specific illnesses to share with your manager & Carriers Underwriters)
*Telesales Carrier Guide & Approved Carriers
*Get a Quote - Log Into Aetna or Download "Quotes-on-the-Go"
*Drug List - Check First
*Aetna FEX - Consumer Brochure
*How to Submit an eApp w/ Aetna
https://www.americanamicable.com/CGI/SupplyReq/SupplyReqv2.exe?f=common/3079.pdf****CLICK HERE: WEB MOBILE APP*****
*Products at a Glance - HERE
TERM
*Security Protector Term w/ AD Rider (to Age 90) Brochure - HERE
---Agent Guide - HERE
*Home Protector (to age 95) Brochure - HERE Agent Guide - HERE
---Riders Include - Terminal, Chronic, Confined Care
*Survivor Protector Decreasing Term (to age 70) Brochure - HERE
UL Products
*Secure Life Plus w/ Guaranteed Insurability Brochure - HERE
---Agent Guide - HERE
Whole Life to 0-49 & FEX
*Platinum Solution Family Plan (0-49) w/ Funeral Concierge- HERE
*Senior Choice FEX (50-85) Brochure - HERE Agent Guide - HERE
---No Cost Riders = Terminal Illness & Confined Care
*Platinum Solution Legacy (50-85) w/ Funeral Concierge Brochure - HERE
---Program Overview - HERE
Carrier Notes
*American Amicable/Occidental products are not available in NY.
*Agents selling in IA, MA, MI, NJ, RI, & VT must sell Occidental rather than American Amicable.
*Pre-appointment States: PA
States where a license is required in order to receive override commissions: MT, NM, VA *Phone Interviews: Call EMSI at 866-719-2024
States where a license is required in order to receive override commissions: MT, NM, VA *Phone Interviews: Call EMSI at 866-719-2024
*Access Connext For Illustrations & Online App - CLICK HERE
*Simply Now SIWL FEX UW Guidelines - CLICK HERE
*SimpliNow Build Chart - CLICK HERE
*SimpliNow Legacy Brochure - CLICK HERE
*AIG Guranteed Whole Life Inc (GIWL) Producers Guide - CLICK HERE*AIG GIWL Consumer Brochure - CLICK HERE
*All Simplified Issue Products Now Available on Agent Tools eApp
*Agent Cafe - HERE
-Americo Product Training Website - HERE
*Sales Connection & Agent Tools All-in-One - HERE
*Start-Up Tools & Resources - HERE
*Americo Website - Log Into Americo HERE*Create an Account to Access Americos Product Info & Tools HERE
*Americo has a Practice Demo Site... get familiar
*Term Underwriting Guide
= AD&D + Critical Accident & Disability Income
w/ ROP to Age 60 - Consumer Brochure - CLICK HERE
*Single Premium Wholelife (SPWL) Quote Tool - CLICK HERE
*Wholelife Non-Med to $100K
*Universal Life
*Short Term Disability
*Critical Illness
* Easy to find info in their back office - go here and research
*Silverguard FEX Product 50-80 Yrs Old Product Info CLICK HERE
*Quoting Software: DownLoad Desktop Quoting Software: HERE
*Diabetes Rating Calculator - CLICK HERE Deeper Dive into Diabetics - HERE
*Underwriting Guides for Term Strong Foundation & Term & Smart UL
*Wholelife Advantage Plus II - Consumer Brochure
*Final Expense: PlanRight FEX
*IUL's "Pathsetter" Non-Med $1 M to 60 Consumer Brochure - CLICK HERE
*Fixed Indexed Annuities
F&G Agent Training & Resources
*IULs Pathsetter & Everlast product material, UW guidelines, info, etc. – Microsite
*More Detailed Product INfo, Training Resources, Sales Concepts, and UW - CLICK HERE
*Pathsetter IUL illustration Tutorials- Click HERE
*e-App Training - Click HERE
*Accidental Death & Dismemberment Consumer Brochure CLICK HERE
*Children's Policy's
*Guaranteed Issue
*Guaranteed Issue Life Insurance up to $40K!!!
*FEX
*Term Life Agent Guide
Carrier Notes
*The Simple Term product is not available in HI, NY, or ND.
*Pre-appointment States: ALL - Every agent must be pre-appointed to sell the Simple Term product.
*E&O Insurance is not required to sell the Simple Term product.
States where a license for an Individual is required in order to receive override commissions: NC, PA, SC, and VA
*E&O Insurance is not required to sell the Simple Term product.
States where a license for an Individual is required in order to receive override commissions: NC, PA, SC, and VA
*States where a license for a Business Entity is required in order to receive override commissions: CA, GA, GU, KY, LA, MA, MT, NC, NM, NY, PA, PR, UT, VA, WA, & WV
*Term Simplified Issue MTG Protection w/ ROP Agent Sales Guide
Underwriters - Risk Assessments - New Business
*New Business Ext. 8025
*Chris Stark Ext. 8702 -Simplified Issue
*Nick Armour Ext. 8895 - Simplified Issue & Fully UW*
*Todd Taylor Ext. 8322 - Fully UW ONLY
*Corp Website Click the RED box that says My LBIG Portal. Then click FEX.
*LBL FEX paperless Application Process Instructions - CLICK HERE
*LBL Products Chart & UW Process - CLICK HERE
*LBL Modified Whole Life Plan Description - CLICK HERE
Quoting & Illustration Software: Click HERE to access the WinFlex Web application. You will need to create an account with WinFlex if you have not already. Once logged in, navigate to your profile and click "Add Agency," ADV1's carriers are available through WinFlex.
* Sr. Solutions *Living Promise Product / UW Guide & Consumer Brochure
*Two IULE Sales Ideas: #1 IULE Alternative to FEX? & #2 IULE Shows ROP!
*Term Life Express & Term Life Answers (Fully Underwritten)
Carrier Notes
*Pre-appointment States: MT, PA, & OK
*MOO Life Products that require E&O Insurance are Income Advantage, Life Protection Advantage, AccumUL Answers, Term Life Answers
*States where a license is required in order to receive override commissions: GA, MA, MT, NM, PA, UT, VA
*Agents selling stand-alone DI or CI products must have a health license.
*National Life - Apple App National Life - Google Play
*Term & *IUL's - Flex Life II & Wholelife *Annuities *Desktop Quoting Software Download: HERE
*EZ Underwriting Guidelines & Client Intelligence Overview
*Term Life: LSW Term Product Guide - CA & NL Term Product Guide
*WholeLife: BasicSecure Product Guide & Total Secure Product Guide
*Permanent Life: FlexLife II (IUL) Guaranteed Lifetime Income Rider Calculator Download: HERE
NON-Med Guidelines
*Flex Life II (IUL)
-18-50 age = 3 million, 51-60 age = 1 million, 61-65 age = 250K
*Term
-18-50 age = 2 million, 51-60 age = 1 Million, 61-65 age = 250K
Carrier Notes
*Pre-appointment States: PA
*When submitting E-Apps through IPipeline make sure you use the Agency Code:
*E&O Insurance is required to sell products with this carrier.
*States where a license is required in order to receive override commissions: CA, FL, GA, KY, LA, MA, MT, NM, NC, PA, SD, TX, VA, WV, WI
Plum Life Info Including Agent Guides, Videos, Etc - CLICK HERE
*Build Chart "Accelerated UW" Substandard - HERE
Dan Sheehan - CLICK to Book Meeting
Sales Success Team
Prosperity Freedom TERM
*Application Knockouts & Prescription Knockouts - HERE
*Family Freedom Consumer Brochure - HERE
*Fact Sheet - HERE
*Build Chart - HERE
Prosperity Prime Term 100
*Prime Term 100 at a Glance - HERE
*Fact Sheet - HERE
Prosperity New Vista FEX
*Prescription List - HERE
*Consumer Brochure - HERE
*Fact Sheet - HERE
*Royal Neighbors Updated Back Office - Watch Video
*Field Underwriting Guide for Term, Whole life, Juvenile & SPWL *Prescription Guide & Illustrations Log into RN
*COVID 19 Questionnaire
*SBLI Agent Login - Simply Better Life Insurance (S.B.L.I.)
*Quility Helpdesk Escalation Guide - How to Escalate
* Michael Muench, SBLI Account Executive for Quility, Direct (781) 343-1942 Email: [email protected]
*Add new states email SBLI Directly: [email protected] w/ the subject line: Quility - Agent Contract Code - Agent Name - New Appointment
Body of email: Please appoint me to sell in the following states: xx, yy, zz
*New Vantage I - Starts at Age 0 to 85 - CLICK HERE for Details
*New Vantage II & III - Starts Age 45 to 85 - CLICK HERE for Details
*Sample CA App, See Part A & Part B Questions to Determine Eligibility
*Updated 08/2023 FEX Underwriting Guide - HERE
*Expanded Guidelines 08/2023 Highlights - HERE
*Final Expense: Immediate Solutions
Need Illustrations: You need to access Transamerica's agent portal go to quoting/illustration software (Transware).
-Please note - You will need to have a login to Transamerica's website to access the software.
*Transamerica Living Benefits Video - Play For Client
*Updated Covid Guidelines - Increase Death benefit Non- Med Limits!!
Carrier Notes
*Pre-appointment States: KS, LA, MT, PA, TX
*E&O Insurance is not required to sell products with this carrier.
*States where a license is required in order to receive override commissions: FL, GA, LA, MA, MS, MT, NM, NC, SC, SD, VA, WI
*Product Portfolio - Simplified Issue - HERE
*Build Chart Simplified Issue - HERE
*Whole Life Life Portfolio Video Training (6 Min)- HERE
*Build Chart Simplified Issue "Preferred" Provider Whole Life - HERE
*Build Chart Simplified Issue Whole Life - HERE
*Simplified Issue Whole Life w/ 5 Products Starting Age 0 to 80
*Accidental Death: Protector AD w/ ROP to Age 60
*Express Issue Wholelife Graded Ages 25 to 80
*Term Life Portfolio Video Training (6 Min) - HERE
Accidental Death w/ ROP to Age 60 Video Overview (2 Min) - HERE
Carrier Notes
*Pre-appointment States: AL, GA, KY, LA, OK, OH, PA, TX, VT
*E&O Insurance is not required to sell products with this carrier.
*Phone Interviews: 866-333-6557
Living Benefits - "The Smartphones of Life Insurance"
Let's Take a Look at Why Protecting Your Home w/ Mortgage Protection Is Important to Protect your investment and your family!
A Mortgage Protection Plan is the smartest, most efficient way to safeguard your most important assets. These simple, affordable plans protect you and your family from slipping into foreclosure if unexpected events occur that could threaten your ability to make your mortgage payments on time. Mortgage Protection plans provide the protection of both a death benefit and life insurance with a money-back guarantee! You bet... and with interest like a savings plan! It's the smart, forward-thinking solution for many homeowners, especially the younger generations.
What is Mortgage Protection Insurance with Return of Premium (ROP)?
It pays to understand the pros and cons of life insurance and ROP programs are no different however, for the right person this is a great option. Here are some of the pros:
*Pays out a death benefit if you die during the term.
*Your premiums are returned to you if you outlive the term of the policy.
*ROP insurance acts as an automated savings plan & instead of earning interest, you get to protect your mortgage in exchange for letting the insurance carrier invest your money for 20 or 30 years.
*The premium refund is tax-free money!
What is Debt Free Life® ?
Debt Free Life is an insurance solution that builds a cash value over time. As your cash value grows, you can eliminate all your debt incrementally and save the balance for retirement – without spending any additional money. With Debt Free Life, you can create a long-lasting legacy for your family by achieving financial freedom and retiring with tax-favored income. Eliminate your debt in nine years or less without spending any additional money.
Ramon Fazah Agency Manager | Heartland Insurance Group