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1 How To Do Business With Us To hear the audio portion of the webinar call Conference ID: ARLIC AGT 5/6/13
2 AGENDA Cigna Medicare Supplement Solutions Overview Product Launch Information Commissions Business Submissions AgentView - Express App 2
3 AMERICAN RETIREMENT LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT Age Banding for Filing Plans A, F, G & N 11% Load for Tobacco Users $20 Application Fee No Household Discount Monthly Modal Factor.0833 Available in AL, IA, IL, KY, OK, LA, NE, MS, MT, SD, SC, NM, NV, RI & WV Recent state approvals include: ND, TX, AR, NC, OH, DE, PA, TN Phone Sale EXPRESS APP 3
4 Cigna Medicare Supplement Solutions ARLIC status 3/25/13 F O R A G E N T U S E O N L Y DOI Approved CSB Map
5 PRODUCT RELEASES Supplies Supplies will be available at the time of release. Upon your advance notice you may submit your supply request via the Supply Order Form found on AgentView. AgentView All forms and material will also be available on AgentView upon the release of each state. Express App We expect all traditional states to include EXPRESS APP capability upon release or shortly thereafter. Additional Items Internal Replacements - CRL, CGI, GALIC, Loyal, PALHIC & UTA Sales of Existing Medicare Supplement Product 5
6 COMMISSIONS PROCESSING Advance commissions on newly issued business will be credited to your account on a daily basis. Advances are paid via direct deposit into the agent s account we have on file for that agent. We will only advance commissions when the initial premium is paid via bank draft/eft or the client s personal pre-printed check. Earned first year and renewal commissions are credited to your account on a bi-weekly basis. 6
7 COMMISSIONS PROCESSING Advances are paid in increments of six, nine or twelve months. Interest is charged on all secured advance balances from inception until they are paid off. An advance balance for an in-force policy ( secured advance balance ) is paid off by commission earned on that specific contract. Once the advance balance is paid off, future earned commissions are payable to the agent. If the contract advance balance becomes unsecured (the contract lapses, etc.) then the advance balance record is changed to an unsecured advance balance. These unsecured balances are paid off by holding 100% of all commissions payable (new advances as well as earned first or renewal commissions) until recovered. CSB reports only earned commissions as taxable amounts on agent 1099 s. If you have any questions about your commissions you can contact our Commissions department at
8 BUSINESS SUBMISSIONS New Business Application Workflow Sales may be made in person or over the phone Submit Paper, Fax or Electronic OE/GI - Now can be done via Express App Under Age 65 Paper Only Including Live CWA Check Phone Verification POS and Outbound Underwriting Issue Time Paper Fax Electronic EXPRESS APP Web-based portal for rate calculation and submitting applications electronically Eliminates RFI s (Missing Data) confirmations to Applicant & Writing Agent Phone Sales 8
9 GUIDELINES FOR ALL APPLICATIONS We accept Med Supp applications for customers that are not current Med Supp contract holders of companies insured or administered by Cigna Supplemental Benefits SM. Both the issue state and the residence state must be based on the applicant. Agents must be licensed to sell Med Supp in the applicant s state of residence either by a state resident or non-resident license in order to take an application. All agents must also use the current application packet for the insured s resident state at the time of application. Applications received for processing that are based on the agent s issue state and not the applicant s resident state will be returned. Check all calculations against the premium rate charts and/or rate software, including plan code, area rating, age, etc. Be sure to use the modal factor on the rate chart if quoting a mode other than annual. A Phone Verification interview must be conducted on all Med Supp applicants outside an Open Enrollment or Guaranteed Issue period. 9
10 UNDERWRITING Medical Questions Questions 1-9 are auto decline questions. Any Yes answers will result in the automatic declination of the application. Questions are discretionary questions. Yes answers may result in acceptance based on details of any Yes answers provided. A Yes answer to questions 11 or 12 may result in an additional telephone interview with the customer to obtain further details. Based on this interview, the underwriters will have the discretion to either issue or decline the application. Underwriting will obtain an Rx Profile and perform an MIB inquiry on each applicant. Positive results from either of these sources may result in an additional telephone interview with the customer to obtain further details. Build Chart & DDL Med Supp Build Chart located in the Agent Guide (on AgentView) and the Declinable Drug List is located on AgentView. 10
11 EXPRESS APP With EXPRESS APP, you can quote, apply and submit applications online. You don t have to meet with the client, obtain a signature or collect a premium check! Go to and select the EXPRESS APP tab to get started. 11
12 BUSINESS SUBMISSIONS: EXPRESS APP Quote You will need your client s DOB or age, tobacco status, gender and zip code in order to receive a Quick Quote. Input this info and you will have current annual, semi-annual, quarterly and monthly premiums for all available plans in your state within seconds! Our Declinable Drug list is easily searchable by typing in the letters or words of a drug or drug related condition. Simply select the plan that best fits your client and you are ready to move on to the application! 12
13 WRITTEN APPLICATIONS Use black ink pen on all documents no marker pens. Draw a line through any errors and have the applicant initial corrections. Do not use correction fluid or similar measures. Applications must be submitted within thirty (30) days of the signed application date and cannot have a requested effective date prior to the date the application is signed. The requested effective date may not be more than sixty (60) days from the date the application was signed. OE cases can be 180 from the sign date. Initial full modal premium must be submitted with all applications. Applicant and agent must sign and date all designated sections on the application. No Power Of Attorney signatures are acceptable. We do not accept stamped signatures from either agents or applicants. If applicable, all state-required forms (e.g., replacement, state disclosure and disenrollment/termination letter) should accompany the application at the time of submission. A HIPAA Authorization must always be signed and submitted with the application. 13
14 FAX APP PROGRAM The FaxApp Program is encouraged for all paper new business applications (except CWA). An application with all supporting documents is faxed to (877) A case number is assigned and the application is processed. Your commission is generated the day after issue. All applications submitted via fax must use the Fax App Cover sheet, (CSB ). 14
15 POINT-OF-SALE PHONE VERIFICATION Phone Verification /Prescription Data Base Check A PV interview and prescription data base check will be conducted on all Med Supp applicants outside an Open Enrollment or Guaranteed Issue period. Faster Policy Issue and Faster Commissions with our Point-of-Sale Phone Verification Procedure! The PV at the Point-of-Sale should be done while you are meeting with your clients or have your client on the phone. The PV is available with extended hours to better accommodate you in making the call at the Point-of-Sale. Having the ability to initiate this verification call at the Point-of-Sale helps speed processing and gets you paid your commissions faster! Phone Verification Hours Monday Friday 8 a.m. to 6 p.m. Central time Call the Phone Verification Hotline at: (866) to initiate the PV process 15
16 AGENTVIEW AgentView ( is your virtual home office! 16
17 WHAT YOU WILL FIND ON AGENTVIEW All forms and material will also be available on AgentView upon the release of each state. AgentView is your primary source for: EXPRESS APP Advertising Requests Agent Training Customer Information Brochures and Application Packets Production Reports News and Notices Commissions Product Availability Contracting Forms 17
18 ADVERTISING REQUESTS Client Prospecting Material Pending State Approval For Pre-approved advertising materials, refer to the CSB Prospecting Portfolio for a variety of advertisements for various products. The CSB Prospecting Portfolio can also be found on AgentView under Business Building > Creating Ads. If you would like to create your own advertisement you must submit a copy of the ad for review by completing an Advertising Material Review Request Form (CSB , found on AgentView). You can also obtain this form and complete advertising guidelines on AgentView under Business Building > Creating Ads. 18
19 "Cigna" is a registered service mark and the "Tree of Life" logo, GO YOU and Cigna Medicare Supplement Solutions are service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation. All models are used for illustrative purposes only. 1/14/ Cigna. Some content provided under license.
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