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Final Expense E-App Directory

Many of our top-selling final expense carriers offer electronic applications to streamline the enrollment and underwriting process.  See below for our full list of final expense e-applications.

 

Aetna

 

PLAN NAMES

  • American Continental Life – Final Expense Whole Life Insurance

  • CVS Accendo Insurance Company – Individual Whole Life Insurance

AGENT SERVICES PHONE NUMBER
866-272-6630


WEBSITE INSTRUCTIONS

  • Click on Aetna Quote and Enroll within My Tools section

  • Must complete Jet Approval phone call prior to e-app being completed 877-538-2759, available Mon-Fri 8am-10pm EST, Sat 10am-4pm EST

  • You can try out the e-app by clicking on the “Sandbox” link

 

 

Cigna

 

PLAN NAME
Individual Whole Life

UNDERWRITTEN BY
Loyal American Life Insurance Company

AGENT SERVICES PHONE NUMBER
877-454-0923


WEBSITE INSTRUCTIONS

  • Click on EXPRESS APP 2.0

  • Phone verification call must be completed alongside e-app. 866-825-4822, available Mon-Fri 7am-6pm CST

 

 

Foresters

 

PLAN NAME
Plan Right

UNDERWRITTEN BY
Foresters

AGENT SERVICES PHONE NUMBER
866-466-7166

OVERVIEW

  • Available in 43 states:
    AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY

  • iGo e-app also available for Term, Smart UL and Advantage Plus Plans

 

 

Gerber Life

 

PLAN NAME
Guaranteed Life

UNDERWRITTEN BY
Gerber Life

AGENT SERVICES PHONE NUMBER
800-428-4947

OVERVIEW

  • All traditional products are eligible for e-apps

  • All traditional products are eligible for telephone application.  Agent must be registered with Gerber Agent portal prior to conducting telephone application at 877-885-7612.

  • Available plans – Duet, Adult Whole life plan, Simplified Senior Life, Guaranteed Life, Accident Protection AD&D, College Plan

 

 

Guarantee Trust Life (GTL)

 

PLAN NAME
Heritage Plan

UNDERWRITTEN BY
Guarantee Trust Life Insurance Company

AGENT SERVICES PHONE NUMBER
800-323-6907

OVERVIEW
E-app is mandated for this product, no paper applications exist.

 

 

Great Western

 

PLAN NAME

  • Assurance Plus

  • Guaranteed Assurance

UNDERWRITTEN BY
Great Western Insurance Company

AGENT SERVICES PHONE NUMBER
866-252-5594

OVERVIEW
The MyEnroller tool needs to be downloaded once the agent profile is established.

 

 

National Guardian Life (NGL)

 

PLAN NAME

  • Estate Plan Trust

  • Funeral Expense Trust

UNDERWRITTEN BY
National Guardian Life

AGENT SERVICES PHONE NUMBER
800-762-9883

OVERVIEW

  • No e-app exists for either plan (EPT/FET).

  • However, agents can go to https://www.mynglic.com and select Electronic Application kit to email a workable application PDF file/kit to the client.

  • NGL will allow over the phone/non face-to-face sales – if the application forms are completed by the agent and the client calls in to do the voice verification process and puts the voice code onto the application


WEBSITE INSTRUCTIONS

  • Voice verification # 800-645-0006 (open 24/7)

  • Once call is completed the agent/customer will obtain a Voice Signature ID#

  • The Voice Signature ID# should be put onto all signature lines of the enrollment forms

  • Agent sends completed enrollment forms to NGL

 

 

Oxford Life

 

PLAN NAME

  • Assurance

  • Assurance One

UNDERWRITTEN BY
Oxford Life

AGENT SERVICES PHONE NUMBER
800-308-2318

OVERVIEW
Assurance One/SPWL Final Expense products do not have an e-app at this time.

 

 

Prosperity Life

 

PLAN NAME

  • New Vista

  • Golden Promise (NY only, paper app only)

UNDERWRITTEN BY
Prosperity Life Group

AGENT SERVICES PHONE NUMBER
866-380-6413

VOICE SIGNATURE & E-APPS ARE PROCESSED THROUGH APPTICAL’S LIFE APP PORTAL
With voice signature and e-app, this will provide the opportunity to receive an underwriting decision at the point-of-sale through the vendor, Apptical.  Login credentials are provided in your Welcome email.

OVERVIEW

  • New Vista e-app is used for face-to-face sales only (e-app not available in ME)

  • New Vista voice application is used for non face-to-face sales (not avaialble in ME & PA).  Applications taken over the telephone are submitted through the Apptical web portal

 

 

Royal Neighbors of America (RNA)

 

PLAN NAME

  • Simplified Issue Whole Life

  • Graded Death Benefit Whole Life

UNDERWRITTEN BY
Royal Neighbors of America

AGENT SERVICES PHONE NUMBER
800-770-4561

OVERVIEW

  • E-app can be used for final expense, Jet Term and Jet Whole life products only for face-to-face sales.

  • Final Expense products are eligible for telephone applications – 866-281-9228 Mon-Fri 8am-9pm CST and Sat 8am-2pm CST.  This is for non face-to-face sales only.

 

 

Transamerica

 

PLAN NAME

  • Immediate Solution

  • 10 Pay Solution

  • Easy Solution

UNDERWRITTEN BY
Transamerica Life Insurance Company

AGENT SERVICES PHONE NUMBER
877-234-4848

OVERVIEW

  • E-app not available in NY

  • Must select Transamerica iGO E app, not Senior Markets iGO E app

 

 

United Home Life

 

PLAN NAME

  • Express Issue Premier WL

  • Express Issue Deluxe WL

  • Express Issue WL

  • Guaranteed Issue WL

  • Provider WL

UNDERWRITTEN BY
United Home Life Insurance Company

AGENT SERVICES PHONE NUMBER
800-428-3001


WEBSITE INSTRUCTIONS

  • Select e-app Home link

  • Express Issue Premier, Express Issue Deluxe and Express Issue WL are all available

  • Provider WL is not eligible for e-app

  • E-app also available for Term Life products

 

 

United of Omaha

 

PLAN NAME
Living Promise

UNDERWRITTEN BY
United of Omaha Life Insurance Company

AGENT SERVICES PHONE NUMBER
800-715-4376

PRODUCTS AVAILABLE ON FULL E-APP

  • IUL Express

  • GUL Express

  • Living Promise Whole Life (Final Expense)

  • Term Life Express

  • Children’s Whole Life

  • Guaranteed ADvantage (Accidental Death)

OVERVIEW
In addition, on IUL Express, GUL Express, Living Promise and Term Life Express we process the application information in real time and provide an instant underwriting decision.


WEBSITE INSTRUCTIONS

  • Hover over the “Sales & Marketing” tab up top

  • Select “Electronic Applications”

  • Under the Life e-application section, select “Start E-App”

 

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