Agent Service Company

1. Healthy clients: don't need to do medical exam and gets Preferred rating for $250k and over. Under that will be standard rating.

2. Overweight and medication taking clients need to do medical exam for any death beneift amount.

1. Submit E-App

2. Part 2 Application: Call the company to email it to the client to complete otherwise there will be a phone interview for part 2.

3. The company will determine if it's approved or needs a medical exam.

4. The Initial Premium will be drafted once policy receipts are received by the company.

5. Strategic Protector IUL is the product you should select. You could put guarantees to age 100+ and builds cash value.

6. When saving age you can set the premium draft within 10 days.  Let's say the payer wants to draft on the 15th and the nearest age is August 10, you can put the policy date as August 9, and draft on the 15th because it's only 6 days after it.

1. The draft date is 3 days before the policy date. If a client wants to draft on the 15th, then the policy date will need to be the 18th. 

2. If a policy lapses and is reinstated, the client will need to pay the missed premiums and the surrender value, making it costly to reinstate so don't let it lapse.

3. You can reduce the death benefit and pay less premium if you can't afford to pay the original premium. If a policy is in grace you can reduce the death benefit, and pay the missed premiums and request a new illustration.  

1. For E-App, to receive a physical policy write it down on the Agents Report tab in the section that says additional information. 

2. Otherwise, when you receive an email about the policy you will need to decline to sign and designate them to send you a physical policy.

1. To do eapp, once login click on Life, Submit Business, then Forms & IPipeline  then iPipeline e-Application. The product type is Whole Life and Nationwide Simplified.

2. Once approved they will email you a bank draft form for the payer to complete and sign before the company draft the initial premium. This form can be completed ahead of time.

After completing E-App the client will receive an email with a link to complete the second part answering medical questions.

1. They must use a computer or tablet, and no phone as it will not work, and complete it within 5 days. After this period a phone interview is required. 800-366-9378 #1.

2. Register their account, login, and complete the application.

1. To do eapp go to the Transamerica website, click on Life Insurance and login.  

After login click on Transact then Sales Tools, then iGo Life Connect.

2. To check pending cases, login to Transamerica website. 

AFter login click on Agent Net Info (ANI), choose your Rep code, click on Pending Reports and then Pending summary.