Application Declined in Navigator

AmAm Declined- For underwriting/declined support related to our Quility Secure Future Preferred, use HQ by visiting https://b2b-hq.quility.com/page/american-amicable or if declined, email FCRAreport@milliman.com.

To further assist in the underwriting process, we recommend obtaining the Milliman report or reaching out to them directly via phone or email. A comprehensive report of the applicant’s information can be acquired at no cost if contacted within 60 days from the date of this decision. Furthermore, applicants maintain the right to dispute any information contained in the report directly with Milliman.

To access the applicant’s report or for inquiries, please follow the steps below:

• Visit RxHistories for Consumers and click on “Request a Report.” The average turnaround time for this service is 24 hours.
• Email: FCRAreport@milliman.com
• Call: (877) 211-4816

Banner Life Declined- Please reach out via email to BannerBeyond@bannerlife.com for questions on decision rationale. They will be able to help you by providing information on the declined application.

F&G Declined- For declined application support related to our Quantum IUL product, please refer to the Underwriting Guidelines or Client-Fit Guide documents found on the F&G carrier page in HQ.

If declined for Quantum, agents should refer to the UW declination decision notice on the case in Sales Link to see if the underwriter advises applying through Pathsetter.

UHL Declined- Please reach out to Life.Contactcenter@unitedhomelife.com for questions on decision rationale.

• Support Hours Monday through Friday 8am-6:30pm EST
• Phone: 1-800-428-3001
• Email: Life.Contactcenter@unitedhomelife.com

SBLI Declined- You can view the Decline reason in Navigator on the cases page. You can also view more information through the SBLI Agent Portal. Here are instructions on where to find this:

1. Go to “Cases”.
2. Click on the client.
3. Click on the “Open eApp” button in the upper righthand corner of the screen.
This will open the 2nd Screen.
On Screen 2 you will see “Case Details” and below that will be the reason for the Decline.
- In addition to this, the agent/client should receive an email with the AUD details that contain the
contact information on which vendor(s) declined.