Contracting

Follow Our 3 Step Contracting Process

Step 1: Complete The Contracting Packet

Producer Contracting Packet Or you can register for our Licensing Software online: Register Online
Step 2: Review Additional Requirements
AML: The AML (Anti-Money Laundering) refresher course must be completed on a yearly basis. This training can be done online at https://www.limra.com/en/solutions-and-services/onboarding-and-development/compliance-education-platform/u.s2.-anti-money-laundering-aml-training/ or with a 3^rd party vendor, such as RegEd or WebCE.

Annuities and LTC: Be sure that any state mandated continuing education is current. Many states require follow up C.E. every 2 years. Applications from agents with non-current C.E. will be rejected and returned to the carriers as mandated by the Department of Insurance in that state. For Annuities, many states have adopted or will be adopting the updated NAIC Model Regulation 275 that requires producers, as defined in the regulation, to act in the best interest of the consumer when making a recommendation of an annuity. Check the links below to see what states require the updated NAIC Best Interest Standard for annuities and what states require Long-Term Care training and their refresher policies.

Annuities: According to NAIC Model Regulation 275, each agent is required to complete product specific training modules through each insurance carrier prior to the date of an annuity application. Applications from agents who have not completed the training will be rejected and returned by the carriers, according to each state’s requirements.
There are10 carriers that require training in all states: American Equity, Athene Annuity, Equitrust, Fidelity & Guarantee, ING USA, Lafayette Life, National Western, North American and Reliance Standard.

LTC State Training Requirements

Annuity State Training Requirements

Annuity Product Training Links
Step 3: Submit Completed Contracting Packet

Life Insurance | Annuities | Disability Income | Long Term Care | Life Settlements | Senior Products | Final Expense

Follow Our 3 Step Contracting Process