Final Expense Sales Onboarding Overview

Welcome!

Watch this video below *completely* before proceeding:

Starting The Contracting Process With Final Expense Carriers

Here are the steps to successfully complete your carrier contracting below:

  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

Please watch the video below for a step-by-step process to create your SuranceBay Account and submit your carriers:

Click here to setup your SuranceBay contracting account! Please bookmark this link for future carrier contracting!

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.

Please read the entire memorandum here before proceeding.

Important Note About 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.

How To 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.

List Of Final Expense Carriers To Select (and back-ups in case your carriers are locked up with another agency)

Watch the video explainer below to clarify:

For Final Expense Face-To-Face Carriers: ONLY Choose The Following 5 Carriers To Start!

  • Prosperity Life
  • Royal Neighbors
  • Foresters
  • AIG/American General
  • Guarantee Trust Life

NOTE: If Prosperity or Royal Neighbors is locked up, select Liberty Bankers Life and/or Trinity Life instead.

  • If Foresters is locked up, select Aetna (CVS Health) or 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.

VERY IMPORTANT NOTE: Please ensure the carriers you’re intending to select are available in your states by checking the State Availability grid 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.

For FE Telesales Carriers: ONLY Choose The Following 5 Carriers To Start!

  • Prosperity Life
  • Aetna (American Continental)
  • Royal Neighbors
  • Great Western
  • Guarantee Trust Life

NOTE: If Prosperity/Liberty/Royal are locked up, replace with CVS Health/Aetna and/or Americo.

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.

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

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

Watch this video below:

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

  1. Submit commission levels via the form below, and,
  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.

NOTE: Please make sure to select the tab based on “New” or “Experienced” agent to get accurate commission levels for each carrier.

Any questions or confusion, reach out to me here.

And here’s the Agent Earnings Disclosure you must read and understand prior to joining Duford Insurance Group.

Commission Form Request – Complete and press “submit” when done:

    NOTE: You WILL receive a receipt of this request. If you do *not*, check your spam box. If it's not there, reach out to me via email and I will confirm receipt manually.

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

    To get an update on carrier contracting status, please follow the directions here.

    Prosperity Life Contracting

    ALSO: 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:

    Click here to contract at New Agent Commission Levels for Prosperity Life

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

    Click here to contract at Experienced Agent Commission Levels for Prosperity Life

    • IMPORTANT NOTE: 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 DIG

    Watch the video below 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.

    Any troubles, reach out to David directly and he’ll help!

    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.

    FINAL STEP: Get Access To DIG’s Sales & Carrier Training Website

    Now that you’ve completed contracting, it’s time to to access the Private Access Training Material.

    You’ll need to register at our new training website here

    It usually takes 12 hours or less to authorize your access, so please be patient =).

    Looking forward to working with you!

    Best,
    Dave Duford
    Contact me here with questions.

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