CARRIER QUOTE
*Add to your phone/tablet home screen for quick access.
UNDERWRITING GUIDES
*Remember to check height and weight charts.
Age 18-40
30 Year Term (With Money Back)
Age 40-60
20 Year Term (No Money Back)
Age 60-80
WHOLE LIFE (Lasts Whole Life)
Age 18-70
Accidental (If They Can't Qualify)
On TERM Cheat Sheet:
If it says Decline, then offer Accidental
If it says Not Asked, write Term
On WHOLE Cheat Sheet:
If it says Guaranteed, ROP, Modified, or Graded, then offer Accidental
If it says Preferred, Standard, Not Asked, or Immediate, write Whole Life
SUBMITTING APPLICATIONS
CARRIERS
Americo: 800-231-0801
Mutual of Omaha: 800-867-6873
TransAmerica: 877-234-4848
AIG: 800-677-3311
Global Atlantic: 855-887-4487
Athene: 888‑266‑8489
CFG: 800-423-9765
Foresters: 800-828-1540
John Hancock: 877-606-7779
American Amicable: 800-736-7311
Aetna: 866-272-6630
CARRIER & PRODUCT SPECIFIC UNDERWRITING GUIDES
For an easy find of ANY agent guide use google search. Search (Company Name, Product, Agent Guide) Example: "Americo Eagle Agent Guide"