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Submitting new life insurance business

The opportunity for a completely contact-free process streamlines doing business

From starting the conversation all the way through policy delivery, Securian Financial offers you support and solutions — including the ability to provide clients with the life insurance coverage they need via a completely contact-free process.

Use the outline below as a guide for submitting new business to Securian Financial.

Have questions or need assistance?

Your new business and sales teams are here to help walk you through the process.

New business questions
Sales and illustration support

Complete access on our secured site

Access these tools and more on our site for financial professionals.

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Life insurance new business process

1. Start the conversation

Prospecting

Consumer-approved prospecting and conversation tools are available to help you identify and engage prospects, as well as materials to help your clients understand how life insurance may fit into their financial strategies. Contact your sales team for an overview of our resources.

2. Lean into digital: Customize a solution and present to clients

Calculate life insurance needs

You can leverage our quick and detailed calculators help clients understand their life insurance needs.

Examples of calculators available include:

Review product options

Browse our product suite to find the option best-suited for your client's needs.

Integrated illustrations and concepts

Registering for our secured website for financial professionals will allow you to design a custom illustration to present to your clients. Additionally, our illustrations can also be run on WinFlex for financial professionals who utilize that system.

A library of key concepts is available within our illustration system, allowing you to build a personalized illustration around strategies such as wealth accumulation, the tax-efficient yield and many more.

Productive meeting model

Then once you’re ready to present to clients, use our 12 tips for effective client web meetings to embrace a productive meeting model.

3. Get appointed

Licensing and appointment

Our ‘just in time’ appointment process offers you the flexibility to submit your licensing and appointment paperwork at the same time as an application.

4. Complete an application

eApp

Our customized eApp1 — available on our secured site for financial professionals or through iPipeline® —
allows your clients to only answer relevant questions based on their demographic information and the product they’re applying for.

DocuSign®

If submitting business outside of eApp, financial professionals with an existing DocuSign relationship can receive client signatures and submit the application electronically using DocuSign.2

Drop TicketSM

Drop Ticket3 makes applying for term life insurance simple. Clients provide basic information through our eApp, making the application process quick and easy.

5. Utilize contact-free underwriting

WriteFit UnderwritingTM

Our WriteFit Underwriting program can accelerate your client’s application through the underwriting process in as little as 24 hours.4

6. Track the application’s status

Pending business tool

Once you've submitted your application and forms to Securian Financial, you can easily monitor the status of pending business and keep clients informed.

7. Enjoy paperless policy delivery

ePolicy Delivery

ePolicy Delivery provides you and your clients a completely paperless application experience with electronic signatures2 — and allows for life insurance policies to be signed, sealed and delivered in 7 days when used with WriteFit Underwriting.

8. Collect premium digitally

Online initial premium

Clients can submit initial premium for new life insurance applications online at securian.com/initial-premium.

Your new business team can outline subsequent premium payment options, including the ability for paperless monthly Electronic Funds Transfer (EFT) payments.

9. Encourage online self-service for clients

MyAccount

MyAccount is our online portal where clients can access their life insurance policies to pay premiums, update contact information, view account balances and more.

A guide to writing business remotely

Sometimes you can’t meet with a client face-to-face, but that doesn’t mean you can’t help them with their life insurance needs. Here you’ll find an overview of capabilities you have for conducting business remotely.

1. eApp is available in all states. We also offer our customized Dynamic eApp, which is approved in all states except NY, CA, DC, DE, FL, ND and SD.

2. Not available in all states.

3. Drop Ticket is not available in NY.

4. After completion of the tele-interview. For eligible clients.

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender periods

These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its affiliates, have a financial interest in the sale of their products.

For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

DOFU 9-2020
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