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 - one of the leading insurance outsourcing organizations. 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 Crump/Allstate relationship offers you access to Disability and Long Term Care Insurance as well as access to competitive solutions and support for your life insurance impaired risk needs. Crump/Allstate is your full service program that provides support for your cases from start to finish including case design, contracting, case processing, underwriting and much more! This guide provides an overview to working with Crump/Allstate and includes information on our services, tools, and solutions including: $ Sales & Sales Support Case Submission & Application Processing The Crump Product Solution Centers & Available Carriers Web Site Tools & Resources Contact Directory FOR PRODUCER USE ONLY - not intended for use in solicitation of sales to the public. Products offered through Crump are not approved for use in all states and may not be available to all producers NACC A, expiration date June 2014 Copyright 2013 Crump Life Insurance Services, Inc.

2 $ SALES AND SALES SUPPORT Your Crump/Allstate Sales Wholesaler: Your dedicated sales wholesaler is 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 Crump/Allstate program. Pre-Sale Support: Your Crump/Allstate team provides sales illustrations and comprehensive sales support on all of your Disability and LTC business with Crump/Allstate. They are able to handle a full range of case design scenarios, including side by side product comparisons, product information, and forms needed to write business, as well as provide assistance on your more complex cases that require detailed illustrations and carrier/product research. Your Crump/Allstate team can also assist with any sales support needs related to your impaired risk cases. SUBMITTING CASES/APPLICATION PROCESSING All applications should be sent to the Crump/Allstate team for processing. Please submit the completed applications, associated forms/disclosures, supporting documents and any premium remitted to: Crump/Allstate New Business Team Crump Life Insurance Services 280 South 400 West, Suite 100 Salt Lake City, UT 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 the 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. your Crump/Allstate case manager (see contact directory on page 6) with any pre-submission questions or for case status. 2

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 Crump/Allstate case manager inputs your 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 sent to you. As your Crump/Allstate case manager tracks your pending applications through policy issue, you will be kept informed of the progress through Pending Status Reports sent by , fax, or mail, depending on the method you choose. We encourage you to check your case status on the Allstate/Crump web site. After the application has been approved, your Crump/Allstate case manager will continue to track the case until the delivery requirements are received. From there, your Crump/Allstate 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. Underwriting Support for Life Cases The Crump Underwriters have the knowledge and skill needed to assist with your toughest cases. We will work with you from receipt of the informal inquiry through policy issue. Our carrier relationships allow us to negotiate on your behalf based on your client s situation. In addition, we can look at your cases from many angles resulting in aggressive underwriting offers for your clients. Forms and Documents You can find the forms you need through the comprehensive Forms tool on the Crump/Allstate 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 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. Commissions Commissions will be paid to you via Allstate and can be viewed on in the Allstate Information section. Inquiries should be directed to AFCompensation@Allstate.com. 3

4 A WORLD OF INSURANCE SOLUTIONS: CRUMP PRODUCT SOLUTION CENTERS We offer all pre-sale support, case design, education, case processing, contracting and compensation for Disability and Long Term Care insurance and support for your impaired risk needs through some of the top carriers in the industry. Our competitive list of carriers includes: LIFE Allianz Life Insurance Company of North America Allstate Life Insurance Company of New York American General Life American National Insurance Company American National Life Insurance Company of NY Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. of NY Assurity Life Insurance Company AXA Equitable Life Insurance Company Banner Life Insurance Company Columbian Mutual Life Insurance Company Companion Life Insurance Company First MetLife Investors Insurance Company First Symetra National Life Insurance Company of New York Genworth Life and Annuity Insurance Company Genworth Life Insurance Company Genworth Life Insurance Company of NY Gerber Life Guardian Life Insurance Company John Hancock Life Insurance Company (USA) John Hancock Life Insurance Company of NY Liberty Life Assurance Lincoln National Life Insurance Company Lincoln Life Insurance & Annuity Co. of NY MetLife Investors USA Metropolitan Life Insurance Company Mutual of Omaha Nationwide Life Insurance Company North American Co. for Life & Health Penn Mutual Life Insurance Company Principal Life Insurance Company Principal National Life Insurance Company Protective Life Insurance Company Protective Life & Annuity Insurance Company Prudential Life Insurance Company Securian Life Insurance Company Security Life of Denver Security Mutual Life Insurance Company of NY State Life Insurance Company Symetra Life Insurance Company The Standard Transamerica Financial Life Insurance Company Transamerica Life Insurance Company United of Omaha Life Insurance Company United States Life Insurance Company of NY Voya ReliaStar Life Insurance Company Voya ReliaStar Life Insurance Company of NY Western-Southern Life Assurance Company William Penn Life Insurance Company of NY DI Assurity Life Fidelity Security Life Ins. Co.* Guardian Life Insurance Company* Lloyd s of London* Metropolitan Life* Mutual of Omaha* Principal Financial Group* The Standard* LTC Genworth Life Insurance Company* 1 John Hancock* Lincoln National Life* 1 Mutual of Omaha* Nationwide Life Insurance Company* 1 Transamerica* * available in NY 1 Linked-Benefit Life/LTC Product available 4

5 THE CRUMP/ALLSTATE WEB SITE The Crump/Allstate 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-theminute status anytime you need it. Additional links provide status on your licensing and appointments. LTC & DI Illustrations & Comparisons LTC Comparisons Quote Now (Online compliant carrier illustrations) Illustration Request Form Carrier Forms FormsNOW is an easy to use, web-based tool that allows you to quickly download and package many carriers forms for print and . Solution Centers Easy to access Solution Center sections provide all the online sales tools you need for our various product lines: Life Disability LTC 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. *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. 5

6 YOUR CRUMP/ALLSTATE TEAM: CONTACT DIRECTORY Crump Toll-free line: Press 1 Press 2 Press 3 dial by 10-digit extension dial by name more options press 1 for ltc / disability support press 2 for life insurance support press 3 for licensing and contracting SEND APPLICATIONS TO: Crump Life Insurance Services 280 South 400 West, Suite 100 Salt Lake City, UT Fax: for additional information visit LIFE INSURANCE SALES SUPPORT (forms, supplies, product information & illustrations) Team Loop Press 3, then 2, then 1 HBGSalesSupport@crump.com Mariella Queipo-Colon, Internal Wholesaler mariella.queipo-colon@crump.com LIFE INSURANCE CASE MANAGEMENT Team Loop Press 3, then 2, then 2 Natalie Rasmussen, Supervisor natalie.rasmussen@crump.com Gina Falcone, Case Manager gina.falcone@crump.com Bernadette Gonzales, Case Manager bernadette.gonzales@crump.com Angie Mellor, Informal Case Manager angie.mellor@crump.com LIFE UNDERWRITING Life Underwriting Team Loop Press 3, then 2, then 3 Sharon Nahar sharon.nahar@crump.com SOLUTION CENTERS Brent Hughes, Regional Director brent.hughes@crump.com LTC SOLUTION CENTER LTC Support Team Loop Press 3, then 1, then 1 Michael Replogle, LTC Wholesaler michael.replogle@crump.com LTC CASE MANAGEMENT Team Loop Press 3, then 1, then 2 DISABILITY SOLUTION CENTER DI Support Team Loop Press 3, then 1, then 3 disupportcenter@crump.com Fax Trevor Alger, Disability Wholesaler trevor.alger@crump.com DISABILITY CASE MANAGEMENT Team Loop Press 3, then 1, then 4 CONTRACTING Team Loop Press 3, then 3 crump.contracting@crump.com 6