Welcome to the Agent Resources Page
Anti-Money Laundering (AML) Training is required for Financial Professionals.
Depending on the carrier it must be completed every 1 to 2 years. Training is available at no cost through LIMRA, click the logo to get started. |
Need to renew your E&O?
We have found it to be quick, easy and affordable using Insurance Specialty Service Inc. Click here for E&O Made Easy. You can apply & download without delay |
Do you need to be licensed outside of your resident state? It is very easy to do. Just click on the logo below to get started.
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The Three most common issues with your client getting the rate you quoted are...
#1 Non disclosure. As carriers aggressively utilize electronic data searches, "forgetting" medical and/or prescription history becomes a big time killer and often a rate class killer too! When an applicant "forgets" to mention medical history or prescribed medications to you, during phone interviews or exams, underwriting has to investigate which often includes ordering medical records they may not have otherwise needed. With the e-data available to underwriters there really is no "hiding" a person's history. It used to just be MIB but now info goes more in depth and and further back than many would imagine.
#2 Admitted height and weight verses exam day results. The more accurate your client is with you, the more accurate your quotes will be. Shrinking a couple of inches or gaining 10 lbs from when they talk to you to exam day really can change the outcome of u/w.
#3 Nicotine or Nicotine substitute usage of ANY kind in the last 5 years. It is no longer a "do you smoke" question. Many carriers now go back 5 years for any type of nicotine use or nicotine substitute at all and if yes, increase rates. PLEASE ask the question along this line: "Do you know or have you in the last 5 years used any type of tobacco or nicotine product or nicotine substitute like vaping or medication?" If the applicants answer is "yes" then please get the specific details so we can help you to take an application with the right carrier for them. Some carriers may offer non smoker rates for cigar, pipes, chew, gum etc but you need to know to quote them right.
#1 Non disclosure. As carriers aggressively utilize electronic data searches, "forgetting" medical and/or prescription history becomes a big time killer and often a rate class killer too! When an applicant "forgets" to mention medical history or prescribed medications to you, during phone interviews or exams, underwriting has to investigate which often includes ordering medical records they may not have otherwise needed. With the e-data available to underwriters there really is no "hiding" a person's history. It used to just be MIB but now info goes more in depth and and further back than many would imagine.
#2 Admitted height and weight verses exam day results. The more accurate your client is with you, the more accurate your quotes will be. Shrinking a couple of inches or gaining 10 lbs from when they talk to you to exam day really can change the outcome of u/w.
#3 Nicotine or Nicotine substitute usage of ANY kind in the last 5 years. It is no longer a "do you smoke" question. Many carriers now go back 5 years for any type of nicotine use or nicotine substitute at all and if yes, increase rates. PLEASE ask the question along this line: "Do you know or have you in the last 5 years used any type of tobacco or nicotine product or nicotine substitute like vaping or medication?" If the applicants answer is "yes" then please get the specific details so we can help you to take an application with the right carrier for them. Some carriers may offer non smoker rates for cigar, pipes, chew, gum etc but you need to know to quote them right.
We have partnered with WebCE to provide you with discounts and we may even have a "free" voucher available for agents actively working with us or one of our affiliate General Agents.
C.E. is required in most states for license renewal and for specific product sales such as Annuity or Long Term Care even if an agent is exempt from ongoing CE requirements. Click on their logo to log in or set up your account with WebCE for best pricing. |
What may seem easy and second nature to some may be hard to grasp for others unless they can "calculate" it.
Click on the Calculator image for a variety of useful, free and online calculators we have found and provided links to. |