New Business for Advanced Markets

How do I submit Debt Free Life applications and what is the APV I record?

• Debt Free Life Policies written with carriers Lafayette Life, Foresters, and Mutual Trust Life should be submitted in Opt! using the Base Policy amount and all riders. Do not include the premium associated with the Paid-Up Additions (PUA) rider as this is a contributory amount and is not a required monthly premium to keep the policy enforce. https://b2b-hq.quility.com/page/new-business-submission-checklist

• Illustrations must be included in the application submission process!

• If you are writing a whole life app with one of these carriers, you must include the illustration even if it is not a DFL application.

(Please Note: Failure to include the illustration could prevent your app from inclusion on weekly Leaderboards.)

How do I submit Indexed Universal Life Policies?

• Indexed Universal Life policies should be submitted within the carrier application platform using the Target Premium of the policy. Excess funds are contributory and are not required monthly to keep the policy enforce and should not be included in the APV. Including excess premium in your submitted APV will lower your net placed percentage as this amount is excluded from issued paid premium consideration. Please include the Illustration for the policy in the application submission for review.

Will DFL activity be visible in HQ?

• Submit and placed production will be made visible in your HQ and all issued placed business from the previous business month will be visible in HQ.

How do I communicate with North American?

• All communication with North American must be filtered through our Case Management department by emailing newbusiness@quilitysales.com.