Final Expense Telesales Broker Onboarding Overview

Please Read ALL Of This Memo BEFORE Proceeding!

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

Read the entire memorandum before proceeding

Please click the Berbix logo below to begin the cost-free identify verification process (takes no more than 3 minutes to complete).

NOTE: After you submit your Berbix identify verification request, please continue the process in STEP 3. We will NOT follow up regarding the identity verification results unless there is an issue.

Watch this video below *completely* before proceeding:

1. UPDATE: We now accept deposits via Paypal or Zelle only.

You can pay via PayPal using your PayPal account, debit, or credit card by clicking the link here.

Zelle is most likely readily available at your bank; you’ll need to access your banking account to set it up.

Learn more about how that works here.

For Zelle, set up payment to go to [email protected].

Any questions about making the deposit, please email [email protected].

2. Fill out the submission form below acknowledging payment of your refundable deposit:

IMPORTANT: All new Duford Insurance Group agents MUST pay the refundable $500 deposit, no exceptions whatsoever.

When you purchase leads or make a sale according to the requirements detailed in the video above, please email [email protected] along with receipt of your lead purchase.

Lead deposit refunds are ONLY processed on Mondays and Thursdays.

IMPORTANT: Please read everything below to find the steps the contract on SuranceBay

When prompted, ONLY Choose The Following 3 Carriers To Start!

• Prosperity Life (NOTE: request contracting here, NOT on SuranceBay! Also, when prompted, please select “General Agent,” “9 months on ISSUE,” with a $3000 max advance, and make SURE you complete Prosperity’s own AML program.)
• AIG/American General (same company – may be listed in SuranceBay as one or the other)
• Guarantee Trust Life

NOTE: If any carriers are locked up, please contact Marty Waters at [email protected] 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.

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.

Did You Select Carriers That Are NOT On The Approved List Above?

You MUST request approval from contracting for any carriers you select *other than the primary and backup carriers listed above.*

Understand that overloading yourself with carriers is not a smart idea. More complication equals a higher failure rate. Keep things simple!

Please note that we do not accept appointments for the following carriers for new agents to DIG until we have several months of solid production history:

• Americo
• Royal Neighbors Of America
• Aetna/American Continental

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

Ready To Start Contracting? Click The Image Below To Begin? SuranceBay Contracting

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.

Getting Stuck Completing Your SuranceBay Account?

If stuck, go ahead and email Marty Waters at [email protected] over the email and password you selected on SuranceBay.

He may end up having to log in to get you unstuck, and having your account credentials ahead of time will hasten the process.

Contracting Turnaround Time & Status Checking

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.

Commissions Overview

Click the image below to review how commissions work:

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.

We’ll send it into the carriers and make sure your release is processed along with your carrier contracts.

Any troubles, reach out to Marty at [email protected] directly and he’ll help!

NOTE: You must complete the sign up form below to complete your onboarding process failure to do that will delay your contracting.

Assuming you have completed Steps 1 through 5, please add your name to the Duford Insurance Group Agent Newsletter list below. By submitting, you also are confirming you understand how commissions work, and you have fully read and reviewing our Agent Earnings Disclosure memorandum and Make Money Guarantee overview:

NOTE: Do NOT complete the form below UNTIL you have completed Steps 1 through 5 above.

Once you’ve completed all the other steps, please click the Skool link below to sign up for our training site:

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

Looking forward to working with you!

Best,

David Duford & The DIG Management Team!