How to Write Final Expense, Mortgage Protection and Guaranteed Issue Whole Life
Columbian Life Group (formerly known as Columbian Financial Group - CFG) and Great Western Insurance Company are the products that will get you out in the field the quickest and will cover 90% of what you will encounter on our lead systems
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Assessing the Client's Health Situation
Product Choices - Keeping It Simple (13:48)
Note: I talk about CFG Whole Life in this video. We have found CVS Whole Life to be so much easier for the client so we are recommending CVS for whole life for final expense clients. (They pay more too!)
FIll out the health intake form on the client:
Download the product guide to check the client's medications, height, weight, health issues to see if they will be accepted into the product:
The Alliance Underwriting Tool In Action
Running Quotes
CFG Term Quoting Tool
Downloading and Using The CFG Quoting Too (17:29)
- Download the quoting tools from:
- Some of the quoting tools are website based tools while others are app based where you must download from the app store (free). We do recommend using the new Underwriting/Quoting Tool from the arc instead.
- Please note any password needed to open up the app
- For more training materials on CFG, please go to the ARC:
CVS Whole Life
This product is a great product that I think could be a better whole life product than CFG Whole Life. It pays the most and is the easiest to write and to get a signature since the client does not need an email account. Highly recommend this product for Final Expense.
Great Western Quoting Tool For Guaranteed Issue Whole Life
How To Use The GWIC Quoting Tool (1:25)
- For more GWIC product training go to the ARC:
- Login and then go to "Carrier" Menu and then go to the Great Western webpage and there is a bunch of great training there.
Alternative Products
If you are in ME, MS, ND, NY, OR. For these states use Foresters Strong Foundation instead of CFG SafeShield Term. And in NY use Foresters Strong Foundation Term and Foresters PlanRight Whole Life.
If you are in AK, CT, DC, DE, HI, ME, VT, WA. For these states use AIG instead of Great Western (NY does not have a guaranteed issue whole life product right now).
If your CVS/Aetna contract is tied up with another IMO, then you should write whole life through CFG. The quoting and e-app process is exactly the same as the term product
Doing The E-App
Columbian Financial Group E-App
Retrieving Your NAA Pin Number (2:24)
In order to log into the CFG E-App you will need your NAA Pin Number that you were assigned when you first got contracted with us.
Other Stuff
Downloading CFG Paper Apps Videos:
The CFG E-App Process (52:58)
CFG E-App and Voice Signature Process
(the voice signature process is only required when doing a telesale. If you are with the client, the client simply types their name into their signature block to sign.
Note: If the e-app goes haywire or internet is wacky, you can do a paper app remotely as long as you do the voice signature process. Then you would turn the paper app into us for submission to the carrier.
Here are the voice signature scripts depending on if there is a separate owner or payor or not:
- If insured is both owner and payor and no child rider in NC/PA:
- If there is a seperate owner or payor and if there is a child rider in NC/PA:
Great Western E-App
The GWIC E-App Process (19:29)
Learn How To Do An Insurance Review By Doing Your Own
If you are a life insurance agent, then it is important that you buy what you're selling. So one of the best ways to learn how to do a client insurance review is to do one with me on you!
Click on the button below to book your life insurance review with me: