Final expense
e-app directory
Many of our top-selling final expense carriers offer electronic applications to streamline the enrollment and underwriting process. See below for our full list of final expense e-applications.
aetna
PLAN NAMES
American Continental Life – Final Expense Whole Life Insurance
CVS Accendo Insurance Company – Individual Whole Life Insurance
Agent services phone number
866-272-6630
website instructions
Click on Aetna Quote and Enroll within My Tools section
Must complete Jet Approval phone call prior to e-app being completed 877-538-2759, available Mon-Fri 8am-10pm EST, Sat 10am-4pm EST
You can try out the e-app by clicking on the “Sandbox” link
support guides
AIG – American General Life Insurance Company
PLAN NAME
Guaranteed Issue Whole Life Insurance – GIWL
Agent services phone number
1-800-677-3311
website instructions
Under the Start an Application Section click on GIWL eApp
support guides
Cigna
PLAN NAME
Individual Whole Life
UNDERWRITTEN BY
Loyal American Life Insurance Company
Agent services phone number
877-454-0923
website instructions
Click on EXPRESS APP 2.0
Phone verification call must be completed alongside e-app. 866-825-4822, available Mon-Fri 7am-6pm CST
support guides
foresters
PLAN NAME
Plan Right
UNDERWRITTEN BY
Foresters
Agent services phone number
866-466-7166
Overview
Available in 43 states:
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, WYiGo e-app also available for Term, Smart UL and Advantage Plus Plans
support guides
gerber life
PLAN NAME
Guaranteed Life
UNDERWRITTEN BY
Gerber Life
Agent services phone number
800-428-4947
overview
All traditional products are eligible for e-apps
All traditional products are eligible for telephone application. Agent must be registered with Gerber Agent portal prior to conducting telephone application at 877-885-7612.
Available plans – Duet, Adult Whole life plan, Simplified Senior Life, Guaranteed Life, Accident Protection AD&D, College Plan
support guides
Guarantee Trust Life (GTL)
PLAN NAME
Heritage Plan
UNDERWRITTEN BY
Guarantee Trust Life Insurance Company
Agent services phone number
800-323-6907
Overview
E-app is mandated for this product, no paper applications exist.
support guides
Great Western
PLAN NAMEs
Assurance Plus
Guaranteed Assurance
UNDERWRITTEN BY
Great Western Insurance Company
Agent services phone number
866-252-5594
overview
E-app is mandated for this product, no paper applications exist.
The MyEnroller tool needs to be downloaded once the agent profile is established.
support guides
Lumico
PLAN NAME
Simplified Issue Final Expense
UNDERWRITTEN BY
Lumico Life Insurance Company
Agent services phone number
866-440-4047
Overview
E-app is mandated for this product, no paper applications exist
Will need to conduct a voice signature call at the time of sale/e-application. Phone number is 877-334-0043
Once Voice Signature is started, the system will ask for an access code. Code is 26936267
support guides
National Guardian Life (NGL)
PLAN NAMEs
Estate Plan Trust
Funeral Expense Trust
UNDERWRITTEN BY
National Guardian Life
Agent services phone number
800-762-9883
Overview
No e-app exists for either plan (EPT/FET).
However, agents can go to https://www.mynglic.com and select Electronic Application kit to email a workable application PDF file/kit to the client.
NGL will allow over the phone/non face-to-face sales – if the application forms are completed by the agent and the client calls in to do the voice verification process and puts the voice code onto the application
website instructions
Voice verification # 800-645-0006 (open 24/7)
Once call is completed the agent/customer will obtain a Voice Signature ID#
The Voice Signature ID# should be put onto all signature lines of the enrollment forms
Agent sends completed enrollment forms to NGL
Royal neighbors of america (RNA)
PLAN NAMEs
Simplified Issue Whole Life
Graded Death Benefit Whole Life
UNDERWRITTEN BY
Royal Neighbors of America
Agent services phone number
800-770-4561
overview
E-app can be used for final expense, Jet Term and Jet Whole life products for face-to-face and remote sales.
Final Expense products are eligible for telephone applications – 866-281-9228 Mon-Fri 8am-9pm CST and Sat 8am-2pm CST. This is for non face-to-face sales only.
support guides
Transamerica
PLAN NAMEs
Immediate Solution
10 Pay Solution
Easy Solution
UNDERWRITTEN BY
Transamerica Life Insurance Company
Agent services phone number
877-234-4848
Overview
E-app not available in NY
Must select Transamerica iGO E app, not Senior Markets iGO E app
support guides
United Home life
PLAN NAMEs
Express Issue Premier WL
Express Issue Deluxe WL
Express Issue WL
Guaranteed Issue WL
Provider WL
UNDERWRITTEN BY
United Home Life Insurance Company
Agent services phone number
800-428-3001
website instructions
Select e-app Home link
Express Issue Premier, Express Issue Deluxe and Express Issue WL are all available
Provider WL is not eligible for e-app
E-app also available for Term Life products
support guides
united of omaha
PLAN NAME
Living Promise
UNDERWRITTEN BY
United of Omaha Life Insurance Company
Agent services phone number
800-715-4376
PRODUCTS AVAILABLE ON FULL E-APP
IUL Express
Living Promise Whole Life (Final Expense)
Term Life Express
Children’s Whole Life
Guaranteed ADvantage (Accidental Death)
Overview
In addition, on IUL Express, GUL Express, Living Promise and Term Life Express we process the application information in real time and provide an instant underwriting decision.
website instructions
Hover over the “Sales & Marketing” tab up top
Select “Electronic Applications”
Under the Life e-application section, select “Start E-App”