Carriers, Product & Software Training Resources:

Virtual Mentor:
***This is your GO TO Resource!***
BOOKMARK the Virtual Mentor Website (http://vm.sfglife.com) on your phone/laptop/iPad and use to see what Carrier/Product your Client will qualify for.

Step 1: Register
Click on “create account”> Choose “sales agent” under type of agent> Select your most direct Agency Manager/Owner (probably: Beth Maddox, Sarah/Mike Pappas or Tom Chism)

Step 2: Text your Hiring Manager- Let them know you set up your account so it can be approved.

Step 3: Watch Tutorial Video

Step 4: USE THE VM RESOURCE! 🙂

Virtual Mentor will take 95% of the guess work out of the underwriting qualification process!!

This said, NOTHING replaces calling a Carrier to do a Risk Assessment or Underwriting Questions (i.e. multiple high risk medications)

Mobile Access:

BOOKMARK the Mobile Page (www.mySFGteam.com/mobile)

For quick access to Online Mobile Quotes and ALL Carrier Phone Numbers!
Dial directly from your phone or Tablet!

(In Firefox browser push the “Star” button next to the clipboard icon above to bookmark the page)

The Core Carriers:

Keep It Simple!

Get To Know/ Write These Carriers:
1- MOO- Mutual of Omaha for Term & Disability
2- UHL- United Home Life for Whole Life/ Critical Period
3- AmAm- American Amicable for Term

Your Clients will get fantastic products and you will earn top commissions!

Mutual of Omaha- MOO:
Mutual Of Omaha
Fax: (800) 228-7104
Phone: (800) 693-6083
www.mutualofomaha.com/broker
Business Hours: Mon-Fri 7:30-5:30 CST
Phone Interviews: 1-800-775-3000

  • MOO does require their own AML test, so look out for this once you are appointed

  • Pre-appointment States: PA, MT

  • E&O Insurance is required to sell certain products with this carrier. Please contact your manager for details

  • States where a license is required in order to receive override commissions: GA, MA, MT, NM, PA, UT, VA

  • Agents selling stand alone DI (Disability Ins) or CI (Critical Illness) products must have a Health License


MOO has phenomenal Tech support! It’s not uncommon for issues to arise with the Whole Life product Software when you first download it. (like in our video) If you do run into a bump, call their Tech support and they will get you up and going in no time!

Videos in this player:
1- Downloading Software
2- Using Software
3- Understanding a TLE (Term Life Express) Application
4- Eapp- TLE (Term Life Express) Application

United Home Life UHL:

United Home Life
Fax: (317) 692-7711
Phone: (800) 428-3001
www.unitedhomelife.com
Business Hours: Mon-Fri 8am-5pm CST
Phone Interviews: 866-333-6557

  • Pre-appointment States: GA, LA, KS, NM, PA, TX

  • E&O Insurance is not required to sell products with this carrier

The UHL website password if ever prompted, is lower caps: usa

While you always want to reference the online software for current rates, here is a Rate Sheet pdf to keep on hand if you are in a pickle 🙂

Videos in this player:
1- Software Usage (No Software to download!)
2- Using Express Issue Whole Life Application
3- Using Term Life Application
4- Eapp Express Issue Whole Life Application

AmAm- American Amicable:

American Amicable
Fax: (254) 297-2102
Phone: (800) 736-7311
www.americanamicable.com
Business Hours: Mon-Fri 8am-5pm CST
Phone Interviews: Call EMSI at 866-719-2024
EMSI is available for phone interviews during these hours: Monday-Friday 8am-9pm CST, Saturday 10am-2pm CST

  • Agents selling in IA, MA, MI, NJ, RI, & VT must sell Occidental rather than American Amicable.

  • Pre-appointment States: PA

  • E&O Insurance is not required to sell products with this carrier.

  • States where a license is required in order to receive override commissions: MT, NM, VA

You MUST use Internet Explorer to download this software. After you download the software, you can use Firefox to operate the software (you do NOT need to be online to utilize the software, it simply uses the web browser as if you are on the website)

Videos in this player:
1- Downloading Software
2- Eapp- Home Certainty (Term)
3- Home Certainty (Term) Paper Application
4-Dignity Solutions (Whole Life) Paper Application

(The software is fairly straight forward for each product and shouldn’t need explanation. Plus, AmAm has training on their site once you are appointed with them to explain how to use the software)

Non-Core Carriers:

These Carriers are helpful when needed.
However, they are best learned on a case by case basis when you have a client who does not qualify for one of the Core Carriers above.

Transamerica:

Fax: (800) 535-1325
Phone: (877) 454-4768
www.agentnetinfo.com
Business Hours: Mon-Fri 8am-5pm CST

  • Pre-appointment States: GA, KS, LA, MT, PA

  • 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

​TransAmerica says you need to use Internet Explorer for their website. We don’t and it tends to work A-Ok!

2 Videos in this player: (Click Square Gray boxes below video to change video)
1- Downloading Software
2- Software Usage

Foresters

Fax: (866) 271-6217
Phone: (866) 466-7166
www.foresters.com
Business Hours: Mon-Fri 8am-5pm CST
Phone Interviews: Call Apptical at 866-844-9276. Mon-Fri 8:30am-12am EST, Sat-Sun 10am-8pm EST.

Note: For SmartUL, please call Foresters or log into your agent portal to get quotes for plans that offer more than 10 years of guaranteed coverage. Note that you must have E&O insurance in order to write with Foresters. Please make sure to contact your upline ahead of time if you would like to write with Foresters.

  • Pre-appointment States: CT, LA, MA, NM, PA

  • E&O Insurance is required to sell products with this carrier.

  • States where a license is required in order to receive override commissions: FL, GA, MA, NM, PA

  • Phone interviews are required for PlanRight applications. Agents must be appointed with Foresters in order to complete phone interviews.

​3 Videos below:
1- Downloading Software
2- Paper App- PlanRight
3- Paper App- SmartUL
***Consult your Upline before writing Foresters!!!***

Americo:

Fax: (800) 395-9261
Phone: (800) 231-0801
www.americo.com
Business Hours: Mon-Fri 8am-5pm CST

Product to Write:
Eagle Premier *LEVEL* Consult your upline before you write ANY other product.

Phone Interviews: Call 800-395-9179

  • Americo products are not available in NY or VT

  • Pre-appointment States: AL, GA, KY, LA, MT, OH, PA, WI

  • Americo has very strict requirements regarding agent background checks. If you have any financial or criminal issues in your background, please discuss this with your manager to find out whether you would be able to contract with Americo.

  • E&O Insurance is required to sell products with this carrier.

  • States where a license is required in order to receive override commissions: AL, FL, GA, KY, MA, MS, MT, ND, NM, PA, SD, UT, VA, WI

Manhattan Life:

Product to write: You may use Manhattan Life for *undocumented immigrants* with a TIN number. No SSN required.

Fax: 713-821-6463
Phone: 888-441-0770
www.manhattanlife.com
Business Hours: coming soon
More contact info click here.

  • E&O Insurance is not required to sell products with this carrier.
  • You may use Manhattan Life for undocumented immigrants with a TIN number. No SSN required.

Apps are accessable by goingto: www.manhattanlife.com
Go to Agents > Agent/Producer Login click here.
Username: manhattan
Password: manhattan
After you log in, go to Downloads –> Product Downloads
Under “Company” choose Family Life Insurance Company
Choose your state under “Region”
In the search bar, type in “Viva.” Their Viva products are their most popular products.

American General- AIG:

Product to write: Guaranteed Issue Whole Life

Download and save the AIG Playbook for everything you need!

Details coming…

Advanced Markets

Annuities & IUL’s

These products are NOT for beginners. Consult your Upline before you focus on these Carriers/ Products.

National Life Group NLG (Formerly LSW):

This is the GO TO Carrier for BOTH Annuities and IUL’s!

National Life Group (LSW)
Fax: (802) 229-4726
Phone: (800) 906-3310
www.nationallifegroup.com
Business Hours: Mon-Fri 8am-5pm CST

  • Pre-appointment States: PA

  • Agents not in a preappointment state will not be contracted with LSW until new business has been submitted. Please contact your agency manager for instructions on how to complete annuity training.

  • New LSW contracts will be canceled after 90 days if no business is submitted.

  • LSW will not provide an agent number until you have submitted your first piece of business.

  • 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

*** Consult with your Upline before attempting to get NLG Software!!!***

If your Manager has approved you getting the software, then email this info to NLGonboarding@nationallifegroup.com and cc your upline manager:

  • Name

  • Business Address

  • Full social security #

  • DOB

  • Email address


*** Consult with your Upline before attempting to get NLG Software!!!***

You are able to get a ONE TIME 90 day access to NLG software. If you don’t write a product within 90 days, they will NOT give you access to the software again. Making is VERY hard for you to write with them! Help us help you- consult you upline first!!

Fidelity and Guarantee:

Phone: (800) 445-6758
www.fglife.com

  • Pre-appointment States: AL, DE, DC, GA, IA, LA, NM, NC, PA, SC, TX, WI, UT, WY

  • E&O insurance is required for agents selling in these states: AL, KY, MA, MS, RI

  • States where a license is required in order to receive override commissions: AL, FL, KY, LA, MD, MS, MT, NM, PA, SC, UT, WV

American Equity:
Fax: (515) 221-9947
Phone: (888) 221-1234
www.american-equity.com
Business Hours: Mon-Thu 8am-4:45pm CST, Fri 8am-1pm CST

  • Preappointment States: MT, PA- See Training Info below

  • American Equity product training must be completed before soliciting business. You cannot access the training until you have been contracted with American Equity.

  • E&O Insurance is not required to sell products with this carrier.

Training Info:
American Equity now allows agents to begin training without them being pre-appointed, so we will not pre-appoint agents with American Equity. New business will need to be submitted to Opt to begin the contracting process.

Download THIS Document and follow the instructions under “For agents not currently active with American Equity.”

Here is the Web Training Link.

Ready. Set. Go!

Get familiar with each of these Carriers by:
1- Use Virtual Mentor to determine which products to run quotes for.
2- Run practice quotes on yourself AND family members.
3- Run hypothetical quotes on Families you are going to see from your dial session!
4- Call the Carriers with questions because they have teams ready to serve you! (hint: they LIKE helping new agents! 🙂 )
4- Reach out to your upline to touch base on what you’ve learned and cover any remaining questions!

Remember, Practice Makes Permanent!