Getting Started With David Duford!

Welcome!

First, watch this video below *completely* for next steps on getting started with DIG:

Subscribe to the DIG Email List Below

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Getting Contracted Checklist

Please make sure you do all the following:

  1. Get $150 off your insurance pre-licensing study curriculum here.
  2. Haven’t attended one of my weekly Q&A New Agent Calls? Schedule a time using this link.
  3. Did you add yourself to the DIG Email List? If not, click here and input your information.
  4. Join David Duford’s GroupMe Community by clicking here.
  5. Need E&O Coverage? Buy it cheap here.
  6. Contracting to sell Medicare Advantage? Click here and complete the requested directions.
  7. Contracting to sell final expense or annuity carriers? Click here.
  8. Thinking about joining the Final Expense FastTrack Program for new agents? Scroll down to here to learn more.
  9. Need help getting Anti-Money Laundering (AML) training complete? Click here for directions.
  10. Stuck somewhere in the contracting process? Follow these directions here to get unstuck.
  11. Need a release? Follow these directions to move over carriers from your existing agency or IMO.
  12. Completed contracting and ready to register your Duford Insurance Group sales training account? Go here for directions.
  13. Flat out confused and need help? Email me, call/text me, or contact me here and I’ll personally help ASAP.

Medicare Advantage Contracting Directions

Please watch the video below *entirely* for complete instructions.

Please click this link here to complete Medicare Advantage pre-contracting.

For starting carriers, please select:

  • United Health Care,
  • Aetna,
  • CIGNA, and,
  • Humana.

Lastly, please text AND call Luis Moreno (our Medicare trainer) directly once you complete contracting at: (210) 639-0738.

Also, email my Medicare On-Boarding Specialist Julie Davis here once you complete contracting:

[email protected]

Let her know you’re working with David Duford, and she’ll take you through the next steps in getting started.

When you text/call Luis, leave your name, email, city, state, and reference you work with David Duford.

Luis will get you added to his Medicare GroupMe and get you Medicare conference call log in information for Monday and Thursday calls.

Any confusion, call, text, email, or reach me here.

Are You Contracting To Sell Final Expense (Or Annuities/Medicare Supplements)?

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

  1. Create your SuranceBay Account.
  2. Submit appropriate commission levels using the form below.
  3. Final contracting steps to take and FAQs

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!

How To Complete AML Training

Watch the video explainer below to clarify:

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

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
  • Trinity Life
  • Foresters
  • AIG/American General
  • Guarantee Trust Life

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

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.

After you submit the carriers above on SuranceBay, you need to submit appropriate commission levels using the form below:

Watch video below for details:

Please *carefully* review the directions below regarding getting your commission levels set up accurately.

Are you a newly licensed agent or a licensed agent with minimal experience?

You will be at the New Agent Commission levels (usually 100% to 110% first year commission, with 60% to 70% on guaranteed issue policies).

You can review the New Agent commission grids here for specifics on each carrier comp levels.

Are you an experienced agent in final expense, or another line of insurance?

“Experienced” is defined as having written a minimum of several dozens insurance policies and having a familiarity of the insurance sales process.

If so, you’ll start at the Experienced Agent commission levels (usually 110% to 120% first year commission, with 70% to 80% commission on guaranteed issue policies).

You can review Experienced Agent commission grids here.

VERY IMPORTANT – Do This AFTER Submitting Contracting On SuranceBay (NOT Before!)

Once you submit contracting on SuranceBay, you MUST complete the form below.

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

Below is a list of each commission level for each carrier if you’re a “New” or “Experienced” agent.

As you complete the form, please copy and paste both the name of the company AND the commission level to the form before hitting submit:

VERY IMPORTANT – ONLY choose the same 5 carriers listed above along with the corresponding commission level to submit on the form below.

If you are selecting other carriers beyond what we’ve mentioned, only submit those that you intend to get contracted with along with the commission level.

Any questions or confusion, reach out to me here.

New Agent Commission Levels

  • AIG/American General 70
  • Aetna (Accendo) 100
  • American Amicable 100
  • Americo 100
  • Assurant/American Memorial 110
  • Foresters 110
  • Gerber 60
  • Great Western 100 level, 60 GI
  • Guarantee Trust Life 65
  • Liberty Bankers Life 100
  • Lifeshield 105
  • Prosperity 110
  • Oxford Life 110
  • Mutual Of Omaha 110
  • Royal Neighbors 110
  • Standard Life & Casualty 100
  • Sentinel Security 100
  • Transamerica 110
  • Trinity/Family Benefit 100
  • United Home Life 100

Experienced Agent Commission Levels

  • AIG/American General 80
  • Aetna (Accendo) 115
  • American Amicable 110
  • Americo 115
  • Assurant/American Memorial 120
  • Foresters 120
  • Gerber 60
  • Great Western 110 level, 70 GI
  • Guarantee Trust Life 75
  • Liberty Bankers Life 115
  • Lifeshield 110
  • Prosperity 120
  • Oxford Life 120
  • Mutual Of Omaha 120
  • Royal Neighbors 120
  • Standard Life & Casualty 105
  • Sentinel Security 115
  • Transamerica 120
  • Trinity/Family Benefit 110
  • United Home Life 110

Commission Form Request – Input your carrier and appropriate commission levels below 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.

    Step 3: Final Contracting Submission Questions (Please Watch!)

    Watch the video for details:

    How long does it take to get contracted?

    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.

    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.

    Get Access To Dave’s Sales And Marketing Training Material

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

    You will need to go to the following website at DIG Sales Training University:

    www.FEAM-Uni.com

    Once there, follow the video directions below to learn how to register an account so you can access the training material.

    Looking forward to working with you!

    Best,
    Dave Duford
    Contact me here with questions.

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