Welcome to Crump Life Insurance Services!

Transcription

1 Welcome to Crump Life Insurance Services! Offering you a world of insurance solutions and world-class service Welcome to Crump Life Insurance Services - the industry s leading insurance outsourcing organization. Our goal is to provide you with world-class service and a world of insurance solutions to help you meet your client s needs. The Transamerica Agency Network (TAN)/Crump relationship offers you access to a complete life insurance solution for your practice. From access to top industry products, dedicated sales and case management contacts, and an industry-leading web site, TAN/Crump is your full service program that will help provide support for your cases from start to finish including case design, contracting, case processing, underwriting and much more! This guide provides an overview of working with TAN/Crump and includes information on our services, tools, and solutions including: Sales & Sales Support Underwriting & Impaired Risk Support Case Submission & Application Processing The Crump Product Solution Centers & Available Carriers Web Site Tools & Resources InsureNOW Contact Directory

2 2 SALES AND SALES SUPPORT Your TAN/Crump Sales Wholesaler: Your dedicated sales wholesalers are available to assist you with how to best use the program and in designing your more complex cases. Your wholesaler is your roadmap to the TAN/Crump program. Pre-Sale Support: Your TAN/Crump sales support teams will provide sales illustrations and comprehensive sales support on all of your fixed annuity, life, disability, and linked-benefits long term care insurance business with TAN/Crump. Providing dedicated support, our sales support team will handle a full range of case design scenarios, including side by side product comparisons, product information, and forms needed to write the business, as well as provide assistance on your more complex cases that require detailed illustrations and carrier/product research. UNDERWRITING AND IMPAIRED RISK SUPPORT Crump s expertise in the impaired risk marketplace means the best solutions for you and clients. Using our TimeSaver preliminary inquiry, our underwriters work closely with our carriers to find the most aggressive offer for clients. Your wholesaler and the TAN/Crump underwriting team are both available to assist you - additionally, you ll find helpful information and tools on the Underwriting section of the TAN/ Crump site, including: Reference library offering overviews of impairments and questionnaires Ask Underwriting form, which enables you to submit basic case information to our underwriters Links to carrier underwriting guidelines and build charts Tip sheets and guides to help you and your client through the underwriting processes such as inspection reports and paramed exams SUBMITTING CASES/APPLICATION PROCESSING All applications should be sent to the TAN/Crump team for processing. Please submit the completed applications, associated forms/disclosures, supporting documents and any premium remitted to: TAN/Crump New Business Team Crump Life Insurance Services 280 South 400 West Suite #100 Salt Lake City, UT OR submit electronically through Upload found under Tools > ContractNOW on the TAN/ Crump web site For all case submissions, in order to minimize delays, please ensure that the following items are accomplished when the application is taken: Verify that your carrier contracting is complete. Complete all questions on the application. Provide details to any questions answered yes on the application. Make sure application and all accompanying forms have been signed. The application must be signed and dated by the proposed insured, policyowner (if trust, then trustees should sign), and the agent. Include NAIC compliant illustrations and/or disclosure forms (signed by the policyowner) with the application. Order exam requirements through a carrier approved medical examiner.

3 3 New Business Processing The Client Services team tracks all applications and related premiums. Upon receipt, all applications are immediately assigned to a case manager for processing and tracking. Your TAN/Crump case manager inputs client s information/ data and begins the preliminary underwriting process (the same day). For all cases, a confirmation letter stating that the case was received along with the requirements received/ordered will be ed to you. As your TAN/Crump case manager tracks your pending applications through policy issue, you will be kept informed of the progress through Pending Status Reports sent by . We encourage you to check your case status through your Crump web site. After the application has been approved, your TAN/Crump case manager will continue to track the case until the delivery requirements are received. From there, your TAN/Crump case manager will confirm with the carrier that the client s policy is in-force and work with the carrier on the release of the compensation. Forms and Documents You can find the forms you need through the comprehensive Forms tool on your TAN/Crump web site. Applications should be completed with any required replacement forms, 1035 Exchange forms, HIV forms, disclosure forms, and avocation questionnaires. Insurance Carrier Contracting and Appointments Many insurance companies have a adopted a Just in Time appointment approach whereby they require the submission of a new business application prior to appointing an agent. Some insurance companies do require an appointment be in place prior to solicitation of an application or what is referred to as a restricted state and information on those can be found in Tools>Pre-Appointments on the TAN/Crump web site. A current life insurance license in the state(s) in which you wish to do business is required prior to solicitation of an application. Many states require continuing education requirements for the sale of long term care and annuity products prior to solicitation as well. Please use the ContractNOW e-appointment tool found in the Tools section of the TAN/Crump web site for fastest service. Commissions Commissions will be paid to you via Transamerica Agency Network.

4 4 CRUMP PRODUCT SOLUTION CENTERS & AVAILABLE CARRIERS TAN/Crump is your one stop shop for insurance. We work with top carriers in the industry to provide you with. Our competitive list of carriers include: LIFE Allianz Life Insurance Company of North America American General American National AXA Equitable Columbian Life Gerber Life Insurance Company Global Atlantic Financial Group John Hancock USA Legal & General (including Banner) Lincoln Financial MetLife Investors Mutual of Omaha/United of Omaha Nationwide North American Company for Life & Health Principal Financial Group Protective Life Insurance Company (includes West Coast Life) Prudential Financial Symetra Voya ReliaStar Life Insurance Company ANNUITY Allianz Life Insurance Company of North America American General American National Athene Delaware Life Global Atlantic Financial Group Great American Lincoln Financial Nationwide Annexus North American Company for Life & Health Penn Mutual Life Insurance Company Protective Life Insurance Company Symetra The Standard Voya USA Annuity & Life Insurance Co. DI Assurity Life Fidelity Security Life Guardian Illinois Mutual Lloyd s of London Mutual of Omaha Principal The Standard LTC LINKED BENEFITS Lincoln Financial Nationwide OneAmerica

5 5 YOUR CRUMP WEB SITE The TAN/Crump web site is one of the most comprehensive sites in the industry and puts valuable tools and resources at your fingertips! The News You Need The Latest News section and central banner alert you to important industry information and carrier and product news as well as updates from Crump. Status The Case Status tool allows you to track your cases and get up-to-the-minute status anytime you need it. Additional links provide status on your licensing and appointments. Illustrations & Comparisons Term Comparisons Quote Now (Online compliant carrier illustrations) Illustration Request Form Carrier Forms FormsNow, our exclusive forms delivery system, provides access to over 9,000 forms for our major carriers instantly. You can also the required forms for a case directly to your customers in seconds. Solution Centers Easy to access Solution Center sections provide all the online sales tools you need for our various product lines: Life Annuities Long Term Care Linked Benefits Disability Advanced Sales

6 6 INSURENOW ELECTRONIC SOLUTIONS FOR PROCESSING INSURANCE ContractNOW A new electronic multi-carrier solution to streamline your appointment requests. * Paper-free submissions eliminate the hassle of completing extensive paperwork for every carrier Connectivity with the National Insurance Producer Registry (NIPR) pre-fills much of your information Cases with new carriers may be processed in a fraction of the traditional time AppNOW Electronic applications with full-service and self-service options. FULL - SERVICE SELF - SERVICE Order Tele-App (formerly Life Solutions) Let us complete the app for you the Service Provider interviews the client, schedules the medical exam, obtains the signed application forms, and orders the initial APS. Benefits include: Expanded risk calculator for more precise quoting Fewer appointments to schedule More time to focus on larger, higher-paying premium cases Reduce paper and produce 100% in Good Order application submissions Transact on the go with mobile device compatibility Cases typically process 15 days faster + View real-time status, 24/7 Earn the same comp as a paper application, only faster Complete e-app Work smarter with intelligent fillable e-apps enter your client s information and let the wizard screens walk you through the process. * Benefits include: Access to over 15 e-apps from leading term insurance carriers An intelligent fillable form with e-signature and e-submission Flexibility to interview your client and order the medical requirements on your own Reduce paper and produce 100% in Good Order application submissions Cases typically process 15 days faster + Earn the same comp as a paper application, only faster InsureNOW is our online transaction center designed to accelerate your insurance business processing, allowing you more time to sell. InsureNOW includes Upload, where you can submit your files electronically to Crump s application processing team in order to expedite your cases. Get started with InsureNOW today by selecting the InsureNOW button on the home page of the TAN/Crump website. + Based on average case timeframe; specific results may vary. Also available for some Permanent and Disability applications. * Check with your Crump Sales Manager for availability. AppNOW Full-Service (formerly Life Solutions) is an online insurance application fulfillment process. By performing this service, neither Crump nor its service provider(s) act in the capacity of the writing agent. It is the responsibility of the writing agent to perform suitability review and ensure that the plan and the amount of insurance being recommended for the proposed insured is suitable in view of the owner s insurance needs and financial objectives. Use of AppNOW Self-Service (igo e-app) is subject to ipipeline s terms and conditions. Crump makes no representations or warranties concerning the performance of the igo e-app system, nor that the system or any associated services will be uninterrupted, without omissions, or error free. Use of ContractNOW is subject to Sircon Corporation, d/b/a Vertafore Producer Lifecycle Management ( Vertafore PLM ) terms and conditions. Crump makes no representations or warranties concerning the performance of the ContractNOW system, nor that the system or any associated services will be uninterrupted, without omissions, or error free.

7 7 YOUR TAN/CRUMP TEAM: CONTACT DIRECTORY TAN/Crump Toll-free line: PRESS 3, then select from the following options: Press 1 Press 2 Press 3 Press 4 Press 5 Press 6 All pre-sale support and life products sales Status and information for pending life insurance cases Carrier Appointments and Contracting Team Fixed Annuity Solution Center Long Term Care Solution Center Disability Solution Center YOUR CRUMP SALES TEAM Jason Bazzone Internal Wholesaler, Pre-Sale and Life LIFE INSURANCE PRE-SALE SUPPORT & INITIAL SET UP HBGsalessupport@crump.com Fax (forms, product information & illustrations) LIFE INSURANCE CASE MANAGEMENT Jessica Goss, Supervisor CARRIER APPOINTMENTS & CONTRACTING crump.contracting@crump.com Fax ANNUITY SOLUTION CENTER Beverly Sillari External Annuity Wholesaler Forrest Millheim Internal Annuity Wholesaler LONG TERM CARE SOLUTION CENTER (INCLUDING LINKED BENEFIT PRODUCTS) Edward Stone External LTC Wholesaler Susan Weiland Internal LTC Wholesaler DISABILITY SOLUTION CENTER Greg Marquardt External Disability Wholesaler Trevor Alger Internal Disability Wholesaler firstname.lastname@crump.com COMMISSIONS For additional commission information, please contact Transamerica Agency Network agent services. Crump will pay all commissions directly to Transamerica Agency Network.