1. Familiarize yourself with underwriting requirements in the agent guide. It contains height and weight charts, a list of medications associated with uninsurable conditions and other important information to help you judge an applicant's insurability.

2. Pre-qualify the applicant. Submit your request for pre-qualification to This e-mail address is being protected from spambots. You need JavaScript enabled to view it by 2 p.m. Central Time and we'll have an answer for you by 5 p.m. the same day. Guaranteed.

3. Use the correct application. Be sure to use the application for the client's state of residence.

4. Answer all questions on the application and complete all necessary forms. Submitting an application with missing information adds to the issue time.

5. Include a cover letter. The more you can tell us about your client, the easier it is to provide an underwriting decision. Include information like specialty physicians the client may be seeing, dates of last doctors' visits, all medications, current health and activity level and whether the client has been declined for LTCi coverage by another carrier.

6. Provide your contact information on the producer statement section of the application so we can reach you if we have questions or if information is missing.

7. Prepare your client for the health interview. Explain the importance of the interview and help your client gather the names of doctors and all prescription medications.

8. Place the call to begin the health interview before leaving the client’s home. Call 866-544-1617 and turn the phone over to the client. Remember, you must not be present during the actual interview.

9. Check your pending report regularly to monitor the status of your case so you can resolve issues quickly.

10. Contact an underwriter if you have questions or are unsure about submitting an application. Our underwriters are available weekdays from 8 a.m. to 4:30 p.m. Central Time. Call 800-551-2059 or send an e-mail to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

How would you like $100,000 of simplified life insurance for your business owners or employees?

We would like to introduce you to Simply Life, a simplified issue* insurance program for business owners and their employees.

* Simplified Issue up to $100,000
* Up to Table 4 issued Standard
* Available for Issue ages 18 - 65**
* Business should have at least three employees.
* Can be issued to even one life in a business
* All full-time employees are eligible
* No participation requirement
* All premium modes available:  annual, semi-annual, quarterly & EFT

The Simply Life program is great for the business owner who needs insurance, but is too busy for underwriting hassles. Just three simple steps:

1. Complete the six questions on Part 1 of the Simplified Life application (Form 3899 or your state specific version). Depending on the answers to Question #6 (AIDS and actively at work), that's it!

2. Complete an employee census listing all employees and a transmittal form (for employees applying for coverage) to let us know it's part of the simplified life program.

3. Send in app(s) and transmittal form and Form 969 to establish a franchise number for list billing.

For more information, or to get contracted, call (800) 680-5596 today, or send us an This e-mail address is being protected from spambots. You need JavaScript enabled to view it .