Equitable Life

States: AL AR AZ CO CT DE GA ID IL IN IA KS KY LA MD ME MI MO MS MT NC*ND NE NH NM NV OH OK OR PA RI SC SD TN TX UT VA VT WI WV* WY ( * LEVEL ONLY )
Ages: 50-85 for Level, 50-75 for Graded
Coverage Amounts: 2,000-30,000
Plans Available: Level and Guaranteed Issue
Underwriting Notes:

  • COPD is Standard Rate approval if no tobacco and no oxygen use
  • Smoker Rates is only applied to cigarette users
  • Non-Smoker Rates for chewing tobacco, e-cigarettes, cigars, and pipes
  • Insulin-Dependent Diabetes is a Level Preferred Issue with no complications
  • More than One Occurrence of Cancer is okay as long as 3+ Years

Unique Niche:

  • 100% Telephonic, 3-Way Telephone Application (No Wet Signature Required), No E-app, Approval and Policy # at end of call
  • Day 1 Coverage for COPD
  • Non-Smoker Rates to chewers, e-cigarettes, cigars, and pipes

E&O Required: NO
Advanced Commission: 9 Months
Tele-Sales: Yes, 3-way telephone application available
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/
Submit Business: Fax Paper Applications to New Business Fax: 1(888) 352-5126
Check Pending Business: Email Updates from Carrier and Online Portal Available
Online Website: https://www.equiline.com/main/index.cfm
Register for Online Account: https://www.equiline.com/reg/index.cfm
Contact Info: Main: 1-800-352-5150 / Agency Services: 1-800-352-5121 / Tele-Underwriting: 1-866-551-1781 / Policy Owner Services: 1-800-352-5124

Equitable Underwriting Guide

Equitable Life Brochure

 

     Foresters Financial

States: AK AL AZ AR**,CA CO CT DE DC FL GA HI ID IL IN* IA KS KY LA ME MD MA** MI MN**MO** MS MT** NE NV NH NJ NM NC** ND OH OK OR PA RI SC SD TN TX UT VA WA ** WV** WI WY
Ages: 50-85
Coverage Amounts: 2,000-35,000
Plans Available: Level, Graded, and Modified (Varies by State)
Underwriting Notes:

  • Very Lenient towards Diabetics
  • Insulin-Dependent Diabetes is a Level Issue with no complications
  • Friendly towards Heart Conditions as long as more than 2 years ago

Unique Niche:

  • Fast, Same Day or Next Day Issue, Quick Pay, Great Rates
  • Short, Simple In-Home Phone Interview, so you know Approval or Decline before you leave
  • Most Common FE Carrier on the Market

E&O Required: YES
Advanced Commission: 9 Months
Tele-Sales: Yes, E-App with a 3-way telephone application to complete the E-App
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/
Submit Business: Fax Paper Applications to New Business Fax: 1(866)300-3830
Check Pending Business: Email Updates from Carrier and Online Portal Available
Online Website: http://www.foresters.com/en#.U0gQF_ldU_Y
Register for Online Account: Login Info is emailed, Username: Writing #, Password: Writing # and Year of Birth
Contact Info: Apptical Phone Interviews: 1-866-844-9276, Sales Support: 1-866-466-7166

Foresters WL Medical Reference Guide

Foresters Consumer Brochure

 

     Gerber Life

States: Most states. Not available in AR, CA and MT
Ages: 50-80
Coverage Amounts: 5,000-25,000
Plans Available: Guaranteed Issue ONLY
Underwriting Notes: No underwriting questions, no ht/wt, no tobacco

Unique Niche:

  • Lowest Guaranteed Issue Rates in the Industry
  • Short, Simple Paper App and E-App

E&O Required: YES
Advanced Commission: As Earned Only, No Advance
Tele-Sales: Yes, Online E-App with Electronic or Face to Face Signature
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/ or Gerber Paper Rates
Submit Business: Fax Paper Applications to New Business Fax: 1(877)608-4634
Check Pending Business: Online Portal Available
Online Website: https://www.gerberlife.com/gl/view/agency/login.jspvalue%28RequestedPage%29=Pb51201frivxdtbbecll6nwrq4pg4gslvw4zn7qg7k256vinza7j6wokbcynmutoobfqxbvguoe2w3pzanacrpp&value%28RequestedParams%29=path%3DPb51201frivxdtbbecll6nwrq4pg4gslvw4zn7qg7k256vinza7j6wokbcynmutoobfqxbvguoe2w3pzanacrpp
Register for Online Account: Login Info is emailed
Contact Info: Agency Services: 1-800-428-4947

Gerber Life Brochure

 

     Great Western

States: Product Available: AL AR AZ CO FL GA IA ID IL IN KS KY LA MA MD MI MN MO MS NC ND NE NH NJ NV OH OK OR PA RI SC SD TN TX UT VA WA WI WV WY; Pending States: CA DC DE ME MT NM VT; Not Available: AK CT HI NY
Ages: 40-80
Coverage Amounts: 1,000-40,000
Plans Available: Level and Guaranteed Issue
Underwriting Notes:

  • Day 1 Coverage for anything health wise more than 2 years ago, COPD, Neuropathy, Parkinsons, etc.

Unique Niche:

  • Level Guaranteed Assurance plan is the Most Lenient Day 1 Coverage in the industry
  • Short, Simple Paper App
  • 6 Month Advance for the Level and GI plans, rare for GI

E&O Required: NO
Advanced Commission: 6 Months
Tele-Sales: YES. E-App process. Client MUST have an email to E-Sign
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/ or Great Western Paper Rates
Submit Business: Scan Email Applications to: debbie@ibrokerage.net
Check Pending Business: Email Updates from Debbie at Innovative Brokerage Network
Online Website: http://www.gwic.com/
Register for Online Account: https://my.gwic.com/online/f?p=1400:110:0::NO::: Click Request Profile
Contact Info: Agency Services: 1-866-252-5594

E-Application Instructions

Great Western Agent Field Manual

Great Western Assurance Brochure

 

     Oxford Life

States: AR AK AZ CA CO CT DE FL GA HI ID IL IN IA KS KY ME MD MI MN MO NV NH NJ NM NC ND OH OK OR PA RI SC SD TN TX UT VA WI WY WA
Ages: 50-80
Coverage Amounts: 5,000-30,000
Plans Available: Level
Underwriting Notes:

  • Lenient Underwriting, but not as lenient as Equitable or Foresters

Unique Niche:

  • Very, Low rates. Maybe the lowest level plan rates for not being super strict on health
  • Pays Commissions Daily
  • Pays Commissions before policy effective and before the client even pays

E&O Required: YES
Advanced Commission: 9 Months
Tele-Sales: NO, Face to Face sales only at this time
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/
Submit Business: Fax Paper Applications to New Business Fax: 1(877)584-2777
Check Pending Business: Email Updates from Oxford or Online Agent Portal
Online Website: https://www.oxfordlife.com/agentportal/agent/agentlogin.aspx?C=OX
Register for Online Account: Click the link above to register if you are a current producer
Contact Info: Agency Services: 1(800) 308-2318

Oxford Life MO FE Medication List

Oxford Life FE Ht Wt Chart

Oxford Life Assurance Brochure

Oxford Life Memorial Planning Guide

     Phoenix Life

States: Product NOT approved in NY or ME.
Ages & Coverage Amounts:

Plans Available: Express and Non-Express
Underwriting Notes:

  • COPD is approved, if no tobacco, oxygen, or oral steroids
  • Diabetes is approved in certain cases, but Type 2 with pills is easier
  • 5 Year look-back on Cancer and Heart

Unique Niche:

  • Most Flexible, Lenient Simplified Issue Term on the market
  • 25,000 minimum coverage
  • 10, 15, 20 & 30 year term options, which is more than most easy issue terms
  • Both options are health questions only, no phone interview, no physical. However, the NON-Express plan could request medical records, but the Express will never order Medical Records
  • Instant Same-Day Approval for the very healthy, clean history candidates

E&O Required: YES
Advanced Commission: 9 Months
Tele-Sales: NO, Face to Face sales only at this time
Run Quotes: http://safeharborterm.com/quotes/, public agent resource site
Submit Business: Scan Email Applications to: debbie@ibrokerage.net
Check Pending Business: Email Updates from Debbie at Innovative Brokerage Network, Phoenix Life, or Online Agent Portal
Online Website: https://phoenixsalesnet.phl.com/sites/phoenix/home.html#
Register for Online Account: Click the link above to register if you are a current producer
Contact Info: Sales Support: 888-794-4447

Phoenix Life Agent Guide

Phoenix Life Underwriting Guide

Consumer Guide Term Life Express

 

     Protective Life

States: AL, AK,AZ, AR, CA, CO, CT, DC, (District of Columbia) DE, FL, GA, HI, ID, IL, IN, IA, KS, KT, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND,OH, OK, OR, PA, PR(Puerto Rico), RI, SC, SD, TN, TX, UT, VT, VI (Virgin Islands), VA, WA, WV, WI, WY

Ages: 18-75
Coverage Amounts: 50,000 – 50,000,000
Plans Available: 10, 15, 20, 25 & 30 Year Terms, GUL, UL, IUL
Underwriting Notes:

  • Preferred Best, Preferred, and Standard Non-Tobacco risk classes
  • Preferred and Standard Tobacco risk classes
  • In most cases, if any medication is taken, then Protective will most likely order Medical Records from the doctor.
  • To speed up the fully-underwritten process: If you do an e-app, the phone interview needs to be completed within 48 hours. For paper or e-application, the paramed needs to be completed within 1 week, and if Medical Records are ordered, you can call the doctors office yourself and pickup the records, or even have the client call and get the records themselves.
  • When worked quickly and properly, policies can be approved and issued within as little as 3-4 weeks.

Unique Niche:

  • Extremely Low Term Rates, and the Lowest GUL Rates
  • Drop Ticket short tele-app can be used for Tele-Sales

E&O Required: YES
Advanced Commission:  12 Months
Tele-Sales: YES, a drop ticket tele-app is available, however a Telephone Interview must be completed between the consumer and company to finish the entire application over the phone.
Run Quotes: FHC Term Quote Engine, https://www.firstheartland.com/home-page
Submit Business: Upload Apps to Treeno on FHC’s website or Fax Apps to Attn: Julie Baalman at 636-695-2847
Check Pending Business: Email Updates from a Case Manager at First Heartland or you can check InStat on FHC’s website
Online Website: https://www.firstheartland.com/home-page
Register for Online Account: If you are appointed with Protective, then you should have received an email with login information for First Heartland’s website
Contact Info: First Heartland: (800) 444-7244 or (636) 625-0900

 

     Settlers Life

States: AL, AR, AZ, CO, DE, FL GA, ID, IN, IL, IA, KS, KY, LA, MD, MN, MO, MS, MT, NC, ND, NE, NJ, NM, OH, OK, PA, SC, SD, TN, TX, VA, WV, WI, WY
Ages: 15 Days to Age 85
Coverage Amounts: 1,000 -35,000 (depends on plan)
Plans Available: GOLD, SILVER, SILVER II , BRONZE, BRONZE II
Underwriting Notes:

  • No policy fee
  • 3 Level plans, 1 Modified, and 1 Guarantee Issue, which gives your client a better chance to be approved
  • Smokeless tobacco users, classified as non tobacco
  • Life pay, 10 pay, 20 pay, and single pay

Unique Niche:

  • No E&O required
  • Smokeless tobacco users, classified as non tobacco

E&O Required: NO
Advanced Commission: 9 Months
Tele-Sales: NO, Face to Face sales only at this time
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/
Submit Business: Fax Paper Applications to New Business Fax: 1-888-275-2644
Check Pending Business: Email Updates from Settlers or online agent portal
Online Website: https://my.settlerslife.com/
Register for Online Account: https://my.settlerslife.com/ (Online Agent Portal)
Contact Info: New Business Partner Support: 1-800-358-6337, Option 3

Settlers Product Portfolio

Settlers Life Underwriting Guide

 

     United Home Life

States: AL AR AZ CA CO DE DC FL GA HI ID IN IL IA KS KY LA MA MD MI ME MN MS MO NE NV NJ NH NM NC ND OH OK OR PA RI SC TN TX UT VI WA WV WI
Ages: 18-80 (Ages vary by plan)
Coverage Amounts: 2,000 -100,000 (Final Expense Whole Life), 10,000-150,000 (Provider Whole Life)
Plans Available:

  • Provider Whole Life: Preferred and Standard
  • Final Expense Whole Life: Premier, Deluxe, Express Issue, and Guaranteed Issue

Underwriting Notes:

  • 4 Level plans, 1 Modified, and 1 Guarantee Issue, which gives your client a better chance to be approved
  • Provider Whole Life is for perfect health candidates only. Extremely low whole life rates
  • Diabetic Insulin used in the last 2 years, qualifies for the Deluxe final expense option.
  • If under age 65 and on SSDI, applicant qualifies for the Deluxe final expense option.
  • COPD more than 2 years ago qualifies for Level Day 1 Coverage

Unique Niche:

  • Very good rates
  • Provider WL has incredibly low rates
  • Great US based service

E&O Required: YES
Advanced Commission: 9 Months
Tele-Sales: YES, online e-app available w/ telephone application for approval.
Run Quotes: SIG FE Quote Engine, https://secureig.com/secure-quote-engine/
Submit Business: Fax Paper Applications to New Business Fax: 1-317-692-7711
Check Pending Business: Email Updates from United Home or online agent portal
Online Website: https://www.unitedhomelife.com/UnitedHomeLife/login.jsp
Register for Online Account: Login info emailed to you, and use above link to go to the online agent portal
Contact Info: 1(800)428-3001

United Home Life Agent Guide