Final Expense Onboarding

Licensed Agents Only

Please watch the video below COMPLETELY before proceeding.

Contracting With Final Expense Carriers

Follow these steps to successfully complete carrier contracting:

  1. Create your SuranceBay Account (see video below for details).

  2. Submit appropriate commission levels using the form below.

  3. Setup your sales training account.

Step 1: Create your SuranceBay Account

Watch video for entire walkthrough

Getting Stuck Completing Your SuranceBay Account?

If stuck, go ahead and send me the email and password you selected on SuranceBay with the help request email. I may end up having to log in to get you unstuck, and having your account credentials ahead of time will hasten the process.

IMPORTANT: Financial Fraud, Chargebacks, & Vector-One Please Read ALL Of This Memo BEFORE Proceeding!

For all new agents, you MUST read the following memorandum on chargebacks, Vector-One, and the aggressive prosecution of financial fraud before proceeding any further with contracting.

For further questions regarding Chargebacks and Vectors click here.

Setting Up Direct Deposit Setup

We are not able to accept starter/convenience checks, deposit slips, or direct deposit forms.

Please submit a voided check with a valid check number, which matches the Account Name, Bank Name, Account Number, and Routing Number in SuranceBay.

If your account does not have checks, please provide a letter from your bank on bank letterhead, signed by a bank officer with their title clearly indicated, stating the bank account owner name, the ABA/Routing number used for direct deposits, and the bank account number and type.

Complete AML Training

Many carriers will also require you to complete Anti-Money Laundering Training.

See the video directly above for guidance on how to do that. SuranceBay also has one available for free inside of your account once you’re in the AML section as well you can complete.

Final Expense Carriers To Contract

(Backups if necessary)

Final Expense Face-To-Face Carriers (Only select 5):

  1. Prosperity Life (If Locked up Select Liberty Bankers Life and/or Trinity Life)

  2. Trinity

  3. Foresters

  4. AIG/American General

  5. Guarantee Trust Life

  • If Foresters is locked up, select Liberty Bankers Life instead.

  • If you already have American General (AIG), you can dual contract and have a second writing number with my agency.

  • If Guarantee Trust Life is locked up, select Great Western instead.

Please ensure the carriers you are intending to select are available in your states by checking the State Availability Guide Here . If they are not, please choose other carriers instead from this list, or reach out to ask me for guidance on what carriers to select.

Final Expense Telesales Carriers (Only select 5):

  1. Prosperity Life (If Locked up Select Liberty Bankers Life and/or Trinity Life)

  2. Trinity

  3. Liberty Bankers (NOTE: This is a “just-in-time” carrier with most states – you’ll get appointed after* you write your first policy. More details once you begin reviewing carrier information in the training site)

  4. Great Western

  5. Guarantee Trust Life

NOTE: If any carriers are locked up, please contact me for alternates.

VERY IMPORTANT NOTE: Please check the carrier State Availability Guide Here to ensure the suggested carriers above are available. If not, check the “Telesales Friendly Carrier” tab for other carrier ideas you can use instead.

New York Resident Agents: You cannot sell final expense over the phone in New York. You will have to sell over the phone to residents of other states, so please choose the carriers according to those states you are intending to market in.

Setting Up Commissions and Prosperity Life

VERY IMPORTANT – Do These TWO tasks AFTER Submitting Contracting On SuranceBay (NOT Before!)

It takes 2 weeks to fully appoint you AFTER submitting the contracts on SuranceBay.

Once you submit contracting on SuranceBay, you MUST do the following:

1. Submit commission levels via the form below

2. Complete Prosperity contracting using the links below (even if you completed contracting on SuranceBay for Prosperity)

This tells our contracting people what your commission levels are, and alerts them to begin submitting your producer contracts to each carrier.

Step 2: Complete Commission Request Below

Unable to find form

To get an update on carrier contracting status, please click below:

Prosperity Life Contracting

If you selected Prosperity Life on SuranceBay, you MUST complete additional contracting (and complete the required AML) by clicking one of the corresponding links below:

When prompted, please select “General Agent,” “9 months advance on ISSUE,” with a $3000 max advance.

Getting A Release Of Existing Carriers to Move To Elite

Watch this video for important details

Please download and complete the release here – Blank Release Form.

Email the signed release once you get your old upline’s signature. I’ll send that into the carriers and make sure your release is processed along with your carrier contracts.

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