Making a Real Difference in Your Career

Challenges Posed by Traditional Uplines

 

Empowering Solutions for Aspiring Agents

In the vast sea of IMOs, FMOs, BGAs, and GAs, often referred to as "uplines", there's a common trend that seems more self-serving than agent-focused. These organizations might be steering you into situations where: At Legacy Agent, we pride ourselves on being the beacon for agents seeking meaningful change. Our approach directly addresses the industry challenges by offering: 
  1. Contract Consolidation: You're nudged to bring all your contracts under their umbrella, all for the promise of accessing a specific program or resource.
  2. Inflexible Training Sessions: They lock you into attending group training sessions that rarely address your unique needs or contribute to your personal growth.
  3. Conditional Software Access: They offer you software tools, but with strings attached—leave, and you lose access.
  4. Biased Product Recommendations: There's a push for you to adopt certain products and partner with specific insurers that primarily benefit them, sidelining your and your clients' best interests.
  5. Lead Purchase Requirements: You find yourself compelled to buy leads regularly or make upfront payments just to tap into their lead generation program.
  6. Opaque Operations: There's a notable absence of transparency when it comes to their release policies, compensation structures, and the provision of genuinely useful advice or guidance.
  7. Vague Support Definitions: It's often unclear what support you'll actually receive and the goals they aim to achieve with you.
  8. Communication Blackouts: After you're onboarded with contracts, the once-responsive representative becomes elusive, leaving you in a support vacuum.
  1. Simplified Contractual Requirements: Gain full access to our rich portfolio of training, programs, and resources with just a single active contract.
  2. Flexible, On-Demand Training: We've meticulously crafted our training programs to be self-paced and accessible 24/7 across all devices, ensuring you receive step-by-step guidance, actionable insights, and the capability to train your downlines without any additional costs.
  3. Unconditional Software Access: The tools we provide are yours to keep, free of charge, with no strings attached—even if you decide to part ways with us.
  4. Thoughtful Company Selection: Our partnership criteria are stringent and centered around financial stability, competitive pricing, exemplary customer and agent support, and distinctive product offerings.
  5. Premier Lead Generation: Commitment to excellence extends to our lead generation strategy. We collaborate with top-tier vendors to ensure you have access to high-quality leads that can drive your business forward.
  6. Transparent and Insightful Guidance: From the moment you join us, expect nothing less than total transparency regarding our policies and commission structures, coupled with actionable, first-rate guidance designed to set you on the path to success.
  7. Responsive Support System: We understand the importance of timely assistance and boast rapid response rates to ensure you’re supported every step of the way.
 

Foresters: NOW! PlanRight Non Face-to-Face

Effective May 13: PlanRight on LiveApp and Issue Age Limit update
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Now! PlanRight Non Face-to-Face
Non Face-to-Face
Option for PlanRight
 
With more individuals working remotely during the COVID‑19 pandemic, effective May 13, 2020 Foresters Financial™ is offering a non face-to-face version of PlanRight through Apptical’s e‑app (LiveApp).

Get started with PlanRight on LiveApp today. Review the guide for details.
Download the Electronic Guide
Training Video
 
                How it works                
 
Step 1
 
Login to LiveApp and complete the application and related forms.
 
 
 
Step 2
 
Call Apptical with your client to complete the Personal Health interview (PHI).

Once you get the point-of-sale decision and the PHI is completed your client will receive an email to e‑sign the application, you will then receive an email to e‑sign the application.
 
 
 
Step 3
 
Your client will receive the signed application package. And Apptical will send all the paperwork to Foresters for processing.
 
 
PlanRight is now available on LiveApp in 43 states¹.
 
 
 
Issue Age Limit update
 
Due to COVID-19 Foresters will no longer be accepting applications for anyone over age 75 for PlanRight on both paper and Apptical LiveApp, until further notice.
 
 
 
For complete information
 
The PlanRight product page has been updated with the following:
 
 
LiveApp login and password information
LiveApp User Guide
E‑Signature User Guide
PlanRight Apptical e‑app FAQ
PHI Sample
 
Login to ezbiz
PlanRight questions?
Our Sales Desk is standing by at 866‑466‑7166, option 1
 
Or tap to call from your mobile phone

Foresters products and their riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the applicable Foresters Life Product Guide and the insurance contract for your state for these terms and conditions.

Certificates underwritten by The Independent Order of Foresters (The IOF), a fraternal benefit society.

¹ 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

For producer use only. Not for use with the public. 418704 US 05/20



Foresters Financial, Foresters, and Helping Is Who We Are are trade names and/or trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Foresters Financial | 789 Don Mills Rd. | Toronto | Ontario | M3C 1T9 | Canada

 

North American: Updated and Enhanced Underwriting Guidelines

Updated and enhanced underwriting guidelines

Updated and Enhanced Underwriting Guidelines North American Company is happy to announce several changes to the underwriting guidelines to enhance the experience of the applicant during the underwriting process. These changes will be effective July 26, 2019.

What has changed
  • EKG Testing: EKGs are no longer required for applicants ages 40 and younger. The amount threshold has also been increased for all other age brackets and is no longer required until the face amount is $10,000,001 for ages 41-50, $5,000,001 for ages 51- 70 and $500,001 for ages 71+
  • Electronic Inspection Report (EIR): The EIR threshold has been raised to $3,000,001. EIRs will continue to be ordered from the Administrative Office for amounts of $3,000,001 and above and do not require any contact with the applicant.
  • Requirement shelf life: Exam, blood and urine, EKG, and financial requirements will now be good for 12 months for all ages and ratings.
  • College-age applicants: We now allow up to $1,000,000 of total coverage with all companies for those attending college
  • Financial Supplement: Applicants to age 70 and applying for less than $3,000,000 no longer require a financial supplement.
  • Scuba: Non-technical scuba diving under 130 feet is now allowed Super Preferred
  • Requirement brackets: North American has simplified the face amount brackets to make it easier to determine the paramedical requirements
The new Life Underwriting Requirements Guideline brochure 631NM revised 7-19 can be accessed via the North American website: northamericancompany.com. For questions, please contact your MGA.

*** Transamerica - A Better Final Expense Experience ***

Be sure to click "Download Camparison" To see the new underwriting standards for ages 45 to 85. There are significant changes that could affect placing Final Expense clients through Transamerica going forward.

Transamerica
Help your clients when they need you most with outstanding protection and increased simplicity.
 
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Transamerica
Coming soon: A new final expense experience
Changes are coming to our Final Expense Solutions Portfolio which will streamline and simplify the experience with an e-application that makes same-day policy approval possible, consolidated underwriting, and a single application across all ages.
GET THE DETAILS
Simple
A new consolidated application eliminates the need to keep track of different applications and underwriting rules.
Fast
New Express Protect Underwriting℠ streamlines the underwriting process for faster policy issue.
Mobile optimized
Our new electronic application makes it possible for same-day approval.
A portfolio made for peace of mind
Attract more business with a better offering.

Availability is limited. Register now to save your spot.
• November 19 at 12:00 p.m. ET
• December 3 at 1:00 p.m. ET

Discover the benefits

WATCH VIDEO >

Discover what's different

DOWNLOAD COMPARISON >
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Life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA.
Electronic application not available in New York.
For Agent Use Only. Not for Use With the Public.
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4333 Edgewood Rd. NE, Cedar Rapids, IA 52499, US

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11/19
                                                           
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Legacy Agent, LLC
41000 Woodward Ave, East Ste #350
Bloomfield Hills, MI 48304
 

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