top of page


If you are licensed follow these steps to get appointed with the following carriers.  If you were appointed with the following carriers with a different IMO you’ll need to submit new contracting paperwork to have it changed to the FFL hierarchy and compensation schedule.  Once you complete your contracting and submit it takes approximately 15 business days.  In certain cases, it may take longer.

☐ Send manager ( your full legal name (First, Middle, Last), best email, and phone number 

- Manager will register you in our Hierarchy Compensation Management System (HCMS). You will receive 4 emails:

  1. Your HCMS Account setup link

  2. Your personalized link to SuranceBay - contracting request platform

  3. A "Welcome To The Team" email to join our New Agent Training email series

☐ Purchase your E&O Insurance: Errors and omissions (E&O) insurance is a type of commercial liability coverage. It protects your business against claims arising from your negligent acts or your failure to provide the level of advice or service the plaintiff expected . 

It is recommended contact the carriers directly every 3-5 business days to make sure they received all the necessary information to complete the contracting and issue you a producer ID. If in 7 days you don't see changes in your Surancebay accounts please resubmit the contracts. This is your business, you are an independent agent, you are responsible for the follow up with carriers.

  1. Copy of your resident insurance license

  2. Copy of a voided check of where you want your commissions to be deposited to.

  3. Copy of your E&O insurance.

  4. The profile will ask for AML info, if you have not taken this you can skip this step.  Once contracts are submitted a carrier will put in a request to LIMRA for you to take Anti Money Laundering (AML) through there, this is the most accepted source of AML.

After your manager register you in our Hierarchy Compensation Management System (HMCS) you will be able to request to be appointed in the following carriers:

1. American Amicable

2. Prosperity

3. Athene 

4. Gerber

5. CVS Aetna

6. National Life Group

7. Great Western

8. Occidental


Get Appointed with Carriers

through SuranceBay

Follow these instructions to get appointed with our carriers.

  1. Create an account with SuranceBay with link provided to you by our FFL contracting department.  You must use the specific SuranceBay Family First Life link that was emailed to you in order to get appointed correctly.  Even if you have an existing or previous SuranceBay user ID you’ll need to create new one.

  2. Complete your profile in SuranceBay and upload your license, AML, E&O and voided check.

  3. Follow the instructions in the video on how to complete appointment request for each company. You will need to submit an appointment request for each carrier that you want to get appointed with.

  4. Once you have submitted your appointment request you should receive in approximately 10 to 12 days to an email directly from the carrier with your producer ID #. If you don’t hear from the carrier within that time frame reach out to them directly to make sure they have everything they need from you to complete your appointment request.

  5. Below are a couple of tutorial videos to assist you in completing your contracting on SuranceBay.

Terminate Your Previous Contract

VERY IMPORTANT NOTE: If you were previously appointed with Mutual of Omaha or Americo with a different company/IMO then follow these steps to avoid issues.  

Regardless if you wrote business or not.  If you were not previously appointed with these companies then ignore this section.

  1. Americo – Send Americo Contracting and email terminating your contract and producer # with your previous company.  800.231.0801.  Find out from Americo when you are clear to submit a new appointment request with FFL.

  2. Mutual of Omaha – FFL can not assist you with this as this relates to your contract and agreement with your previous company.  Your FFL manager and contracting department are not authorized to change your previous agreement – only you can do this.

Surancebay FFL Exclusive Link

To hire a new agent, contact upline to get information on the contracting process.  The Surancebay contracting link must always come from

Family First Life.


Step THREE – ffl bootcamp

bottom of page