One of the first steps to getting your Business off the ground is to
begin your Licensing and Appointment process.
GETTING LICENSED
Each states Department of Insurance (DOI) has specific requirements
for getting licensed. To review your specific state's
requirements CLICK HERE
To get Licensed you will need to go through a pre-license training
course to prepare you for taking your State License Exam. Business
has partnered with ExamFX for pre-license training course.
ExamFX
Schedule your exam - Once you have completed your pre-license
training you will need to schedule your exam. Log into your ExamFX
account and under the Main Menu click to schedule your exam.
Apply for your license - Once you have successfully passed your
exam you will need to apply for your license. CLICK HERE to apply
for your license.
AML Training
All licensed insurance agents are required to complete Anti-Money
Laundering (AML) training. You may choose any provider for your
AML training, including LIMRA.
SuccessCE provides FREE AML training course. Simply select your
state, choose the AML course, add to cart and check out.
Once you complete your AML course, be sure to save your PDF
certificate and upload it into your SureLC account
E & O Insurance
All licensed insurance agents are also required to carry Errors &
Omissions Insurance (E&O) to protect against litigation if a customer
sues for a mistake in your professional services. While there are
several places you can secure E&O Insurance, Business recommends
NAPA for E&O Insurance Coverage. Click the link below and select
Option B to get started.
NAPA
SURE LC
Business Utilizes SureLC for management of all licensing and
contracting requests.
Once you have successfully passed your state insurance exam and
have your license, you will need to create a SureLC account.
Step 1: Setup your SureLC account.
*VIDEO - to view a short video on setting up your SureLC
account, CLICK HERE
CLICK HERE to set up your SureLC under Hegemon Financial Group
IMPORTANT: If you have a SureLC account under another
brokerage, you will NOT see the correct information/companies.
Make sure you select NEW USER and create a NEW
ACCOUNT with a different email address.
When setting up your account, SureLC will sync with the National
Insurance Producer Registry (NIPR) and import your active state
licensing information. Depending on the state, it may take several
business days, or up to 1 week, for NIPR to electronically send your
license data to the SureLC system. Check back periodically and when
your license is there you will be able to create your SureLC account.
Once your account is created, you will receive a confirmation email to
setup your password and complete your SureLC registration. Note: if
you do not receive the email, check you junk or spam folder.
*VIDEO - to watch a basic guide to using the SureLC system, CLICK
HERE.
As part of setting up your account, you will be asked to verify your
profile and answer a basic questionnaire that is required by all carriers
when submitting contracting requests.
You will also be required to provide Training Certificates of
Completion, as well as proof of your E&O Insurance.
Step 2: Begin the Appointment Process
Once your account is set up in SureLC and your license is synced,
you may request access to each carriers paperwork by paying the
corresponding fee – CLICK HERE to get started.
Note: Please allow up to 2-3 business days for the requested carriers
to show up in your Contracting Requests section of your SureLC
account.
Step 3: Carrier Paperwork
Once you receive confirmation that your prepaid carriers have been
added to your SureLC account, you can then submit your initial full
contracting paperwork for each carrier by selecting "Contract".
NOTE: DO NOT USE THE ADDITIONAL STATE OPTION FOR
YOUR FIRST REQUEST. The INITIAL contracting request will allow
you to list your resident state license as well as one non-resident state
license, if applicable. AFTER you have become set up in the carrier's
system, you can then request any additional states to add to your
contracting for that carrier.
Once your paperwork is completed, be sure to click all the way
through the request until the status changes from "Producer" to "BGA"
so your paperwork can be reviewed and submitted to the carriers on
your behalf. The carrier will then review and either approve or deny
the contracting request. You should receive notification from the
carrier once your contracting request has been reviewed.
NOTE: Some carriers do “Just In Time” appointments and will not fully
approve an appointment until business is submitted. In these
situations you will be given a pending agent code so have access to
the carriers portal and illustration software.
NOTE: The turnaround time varies for each carrier. Below is a
general guide for turnaround time:
AIG/Corebridge – 1-2 Weeks
Allianz Preferred – 3-4 Weeks
American Amicable – 1-2 Weeks
American Equity – 2-3 Weeks
Americo – 1-2 Weeks
Athene – 1-2 Weeks
Fidelity & Guarantee – 3 Weeks (welcome packet is physically
mailed)
Nationwide – 3-4 Weeks
North American – 1 Week
Occidental – 1-2 Weeks
US Life – 1-2 Weeks
For other questions about the SureLC system, CLICK HERE
