A compilation of critical carrier guidelines for conducting business remotely
The spread of the coronavirus pandemic has changed the way we work in the midst of nationwide stay-at-home orders. However, there’s never been a more critical time to offer clients the benefits of life insurance and annuities, including predictable lifetime income, legacy protection and more. To allow you to continue providing these important services in a compliant manner, we’ve compiled the guidance and resources offered by each of our carriers. Ideal Producers Group will continue to update this page to keep our advisors informed. If you have any questions, don’t hesitate to contact your Life or Annuity Sales Consultant directly.
Ideal’s Remote Work Response
Ideal Producers Group has moved into a completely remote environment. You can continue to call our office and speak with any of our employees for support during normal business hours. We encourage you to please send business direct to the carrier and send us a copy for follow-up to ensure timely processing of all applications.
Carrier Guidelines on Virtual and Telephonic Sales
Requirements for virtual face-to-face and videoconferencing sales »
Certain criteria must be met for sales that occur over video calls, in addition to all applicable American Equity policies and state regulations.
A message from CEO Anant Bhalla of reassurance, plus assistance and service options »
Advisors and clients can take advantage of online services.
iGO eApplication »
Submit cases online from anywhere with iGO eApplication. Use the training deck and FAQ to get started.
COVID-19 FAQ »
AIG has compiled answers about underwriting, licensing, commissions and new business for producers.
Underwriting Bulletin »
AIG has activated its Business Continuity Plans, and colleagues remain available to help meet the needs of clients and business partners.
Continue doing business remotely »
ExpertApp gives you the ability to conduct business from the comfort of your own home. Download a step-by-step guide. »
Communicating with clients in volatile times »
Two articles can help you better work with clients in times of market volatility.
ATLANTIC COAST LIFE
Submit applications through E-App »
Through E-App, submit applications while working with clients remotely over the phone.
E-App submissions and contest »
Effective April 1, annuity applications with a purchase premium less than $10,000 must be submitted via E-App. Learn more about the policy, benefits of using E-App and how to participate in the 2020 E-App contest.
Temporary revised procedures »
Review the temporary procedure for policies that are issued with amendments as part of Baltimore Life’s COVID-19 repsonse.
Answering questions and concerns »
Cincinnati Insurance has answers to coverage questions and billing concerns arising in these unusual times. Log in to the agent portal to access the resources.
Guidelines for virtual and telephonic sales »
To help you maintain momentum during these challenging times, Equitable has issued directives regarding virtual and telephonic sales.
Life sales completed from remote locations »
When in-person meetings aren’t an option, selling life products by phone or by video messaging is available.
Remote applications disclosure form »
Follow these steps to submit applications without face-to-face meetings.
Policy guidelines for virtual sales »
Follow F&G’s five rules to ensure compliance with web-based, face-to-face video solicitation.
Keep business moving with E-App »
Learn more about the E-App solution and access step-by-step instructions.
Technology to manage your business »
With the latest COVID-19 social distancing recommendations, we have several processes and resources in place to help support your business needs.
Electronic resources and tips »
Stay safe while communicating with clients and use the MyEnroller tool.
E-App demo »
Join the webinar April 9 to see how E-App works.
GUARANTY INCOME LIFE
Comply with the “Know your client” rule »
When an in-person meeting with your client is not a feasible option, GILICO’s annuities can be sold over the phone or by video conference.
FireLight e-app platform »
Watch a recorded webinar for a step-by-step guide to using FireLight e-apps when you can’t meet with clients or prospects in person. Use this PDF to follow the steps.
Virtual sales made easy »
Review guidelines and continue to meet with prospects, serve new and existing clients, and solicit annuity sales through the use of virtual engagement tools.
MUTUAL OF OMAHA
Life Policy Output Procedures »
Beginning April 3, all life insurance policies will be mailed directly to the policyholder. Get more information about the changes and read an FAQ.
New policies for annuity business »
Learn about electronic signatures, updated policy output procedures and more.
Long-term care underwriting and new business information »
Get details about processing alternatives for LTC products.
MUTUAL TRUST LIFE
Continue to do business via electronic service methods »
View guidelines for electronic communications and seamless continuation of business.
Use eApp to complete clients’ applications »
Take a video walkthrough of eApp and download a client user guide.
Sales tips and tricks »
Nassau Re offers advice for selling annuities in this “new normal” of online meetings.
Ensure secure communications »
During this time, NGL encourages email correspondence and provides guidance to keep communication secure.
Remote application process »
Effective immediately and until further notice, National Western Life has implemented the following changes to new business processing.
Distribution update »
Receive guidance on navigating the current state of business through a webinar with senior leaders of National Western Life Insurance Company on April 7.
E-App sign-in, policies and contest »
Follow step-by-step instructions to log into E-App. Effective April 1, annuity applications with a purchase premium less than $10,000 must be submitted via E-App. Learn more about the policy, benefits of using E-App and how to participate in the 2020 E-App contest. Download E-App guides for different products.
Virtual sales made simple »
This guide outlines the tools offered to enhance the virtual sales experience.
E-App user guides »
Review E-App guides for annuities, Medicare supplement and final expenses.
FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC.