We use an online contracting system to appoint you with all carriers. This simplifies the contracting process and saves you time. Before you begin, check the frequently asked questions and also make sure you have the following items available so the process goes as smoothly as possible:

  • Anti-Money Laundering Completion Information
    • Complete your free annual AML training on the LIMRA site
  • Errors & Omissions Declaration Page (minimum coverage requirement $1 million per claim and $1 million aggregate)
  • Void Check (Carriers require direct deposit for commissions)

Create a New Account for Contracting Sign Into an Existing Contracting Account

Accessing Carrier Statements & Commission Payout Guide


Make a selection from the carrier list above


Frequently Asked Questions

Some carriers will not process contract requests until new business has been submitted. Once a carrier is notified there is new business in house and receives a contracting request in “good order” (i.e. all supporting documents are included: license copy, proof of E&O, voided check, etc) they can take anywhere between 2-14 days to process the contract request. Depending upon the volume of contracting requests being processed, it can take 1-5 days prior to submitting your contract to the carrier.

In all situations, our contracting team will process contracting requests with new business, pre-appointment situations, and for e-app access.

Carriers do not issue codes until new business is in house:

  • Conseco
  • Gerber
  • Genworth
  • John Hancock LTC and Life
  • Lafayette
  • LSW
  • Met Life
  • Prudential
  • SBLI
  • Voya / ING Reliastar

Carriers that issue pending codes but agents are not active until business in house:

  • American General
  • Assurity
  • Fidelity
  • Foresters
  • Mutual of Omaha
  • Transamerica

You are able to get an application signed as soon as possible as long as your license is active and it’s not pre-appointment. Most states and carriers do not require you to be pre-appointed before an application is signed. However, in instances where pre-appointment is required, our contracting team will handle these requests on a priority basis.

Pre-Appointment Carriers and States
Pre-appoint means an agent needs to be contracted prior to writing any new business.

  • Aetna: CA, FL, GA, NJ, PA, TX
  • AGLA: PA
  • AIG: PA
  • American Cont: CA, FL, GA, NJ, PA, TX
  • Americo: AR, GA, KY, LA, MT, OH, PA, WI
  • Assurity: PA
  • AVIVA: MT, OR, PA
  • AXA: PA, VT, WI
  • Continental Life: CA, FL, GA, NJ, PA, TX
  • Foresters: LA, PA
  • Genworth: MT, PA
  • Gerber: GA, LA, PA, WI
  • John Hancock: MT, PA, WI
  • LFG: MT, PA
  • MetLife: FL, IN, KS, MO, OR, PA
  • Minnesota Life: PA, WI
  • Nation Life: PA
  • Nationwide: PA
  • Western National: GA, NC, NM, PA, SD, TX, WY
  • Protective: PA
  • Prudential: AR, FL, GA, OH, PA, SD
  • Prudential LTC: CT, FL, PA
  • Sagicor: GA, NJ, PA
  • Symetra: MT, PA
  • Transamerica: KS, PA
  • UHL: GA, LA, PA, TX, WI
  • UOO: MT, PA

An officer or managing member of the agency must complete the online contracting and provide proof of E&O for the firm, life license copy for the firm and a voided check for direct deposit into the firms account.

Yes, More states are beginning to adopt the NAIC Suitability Model Regulation in their state. This means that the agent is required to complete Annuity Continuing Education training, Carrier Specific Training and Anti Money Laundering training prior to the application being dated. Some insurance carriers also require training to be completed regardless of the state where the application is solicited. We have more information available on our Annuity Training Page.

The states that have currently adopted the NAIC Regulation are:

  • Alaska
  • California
  • Connecticut
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Mississippi
  • Nebraska
  • New York
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Texas
  • Utah
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconson

Yes, contracting is specific to each BGA/IMO. Most carriers on the life insurance side allow dual appointments so you can maintain your existing BGA/IMO relationship(s) if you choose to do so. For the carriers that only allow a single appointment, a release may be required prior to business being submitted. The carriers that allow dual life appointments are:

  • American General
  • Banner (Legal & General)
  • Genworth (Fixed life and annuity only)
  • John Hancock
  • Lincoln Financial
  • MetLife
  • North American
  • Principal
  • Prudential
  • Transamerica
  • Voya / ING Reliastar

Non-resident licensing can be applied for electronically on the National Insurance Producer Registry (NIPR) site for a small fee and most non-resident licenses are approved within 48-72 hours.

Learn more and apply online at: http://www.nipr.com/

Most carriers require that you have proof of E&O coverage in order to become contracted with them.  The minimum requirements for most carriers is $1 million per claim and $1 million aggregate.  There are many E&O carrier options but here are a few we can recommend: