STEP 1 - CONTRACTING  (Licensed Agents begin here)

If you do not have your insurance license yet, you should complete all of the items listed below, but do not submit the Contracting Packet until you have received your insurance license.

Complete the 4 TASKS below to have your Contracting documents submitted to the carriers, full access to the Equis Agent Dashboard, and access to the Equis Lead System.
1. Complete your Contracting Packet / Carrier Contracting Profile             For best results when completing this document, please print and complete by hand.

2. Add these 5 supporting documents to your contracting profile:                                                                                                 
  • Copy of your insurance license
  • Copy of your drivers license
  • Voided check
  • ​REG-ED Anti-Money Laundering (AML) certificate.
    • ​​​Equis Financial REQUIRES Anti Money Laundering. We must have the RegEd AML only, no other AML will be accepted even if obtained recently. This is a free course for you, to get this deal you MUST use this link. 
    • https://secure.reged.com/Login/vu/VirtualUniversity/EQUIS
    • Select  Opt out of CE credits option, this AML Course cannot be applied towards CE credits. Upon completing the course take a screenshot and upload to your Contracting Profile.
    • CLICK HERE for a sample AML Certificate
  • ​Errors & Omissions Insurance (E&O)
    • ​This insurance helps to protect against claims arising from the sale and servicing of insurance products.  E&O is not required to contract with most of our carriers but is highly recommended.
    • ​We recommend using the NAPA, National Association of Professional Agents.  You can access their information HERE and clicking on the Life & Health Agent E&O button. 
    • Reminder: For any of the annuity carriers your E&O also needs additional coverage for fixed/indexed annuities.    

3.  > After completion, email all documents in PDF format to your Hiring Manager.
        *** DO NOT SEND YOUR CONTRACTING TO EQUIS

  • > Please keep all pages of the contracting packet in their original order (Pages 1-10) Then add the 5 supporting documents to front or back of the contracting packet when sending to your manager.
  • > It must be ONE PDF document. Do not send individual PDF pages or multiple attachments. 
  • > If done correctly you will be emailing a 13+ page PDF document to your manager. 

4. Surancebay Emails (These emails will come 24-48 hours AFTER submitting your contracting profile to your manager.)
  • > Surancebay is the online system we use to transmit your contracting info to each carrier.
  • >You will receive several emails from Nick Theodore as an invitation to contract with our carriers and answer carrier specific questions for background purposes.
  • > CLICK HERE to download the Carrier Contracting Check List. Text this document to your manager when Surancebay emails are complete.
  • > After your Contracting Packet is APPROVED, you will receive a emails through Surancebay to confirm each carrier contract. You must open and confirm each email​
COMMON QUESTIONS WHEN COMPLETING YOUR SURANCEBAY EMAILS​​​

  • Commissions should be paid DAILY.
  • You should be paid ADVANCED commissions (not AS EARNED)
  • Who orders paramedical exams? "Agent"
  • Who is my beneficiary: This is required so that if you die before commissions are paid, the commissions will be paid to your beneficiary. Enter your Spouse or another family member.
  • Are you submitting new business or a new application? "NO"
  • Name of Primary Final Expense Carrier? "CFG"
  • How much business do you plan on submitting? $25,000 to $200,000 (you decide!)
  • Will you be selling LTC (long-term care) Rider? "NO"
​​****TIP - Start Selling Now!****
  • You can start writing business as soon as you complete the Surancebay emails referenced above.
  • You do NOT need writing numbers from the carriers to submit business in most states. 
  • Review the pre-appointment states with your manager.