Completing & Submitting Apps APPLICATIONS
Once you are appointed with the carriers, have your agent code, and full access to their website always use the eApp submission when possible. When you do the eApp the process verifies that your application is in “Good Order” before submitting.
Always have paper apps with you as a backup.
Common mistakes made on the application – Always double check app before leaving:
Forget Social Security # or Driver license #
Replacement forms and disclosures that need to be signed
Get a voided check or EFT form signed by client
Height and Weight (a lot of the apps hide this question) or if you ever need to rewrite on a different app
Along with policy replacements check to make sure you don’t need a senior form or disclosure.
Contact the carriers and they will ship you applications, folders, and marketing material for free.
New Agent Application Submission
If you are new agent following these steps to successfully completing and submitting your apps.
Practice writing eApp with each carrier that you are appointed. Be familiar with it so you are ready when you go into the home.
When doing your appointment preparation log onto the carrier website and download the appropriate applications and disclosure forms for your state. Or call them and they will email them to you. SAVE these apps in a folder on your computer so you quick access.
Allways take picture of Driver License, Social Security #, bank information and medications.
Write in your notes the appropriate bank draft date for the 1st premium.
Submit your application to the appropriate carrier.
Follow up within 48 hours if you have not received a confirmation from the carrier to make sure your app was “good order” and they received it.
See Insurance Carriers page for submission fax # and email address for carrier
Practice writing Americo eApp
Here’s the link to practice the writing Americo plans with their eApp.
Be familiar with it so you are ready when you go into the home. This is an eApp demo site for practicing writing Americo eApps. It does require you to have an agent login from Americo.
Important note: eApps are great and use them but be prepared for the unexpected. Always take the paper application with you as a back up in case you don’t have internet or the carrier site is down for maintenance.
When you submit an eApp always give the client a receipt with all the information: