McgillBrokerage – Contracting Rules

Contracting Rules

ATTENTION AGENTS:
**Some States require State specific CE training BEFORE writing new business.
**Most carriers have adopted Product Specific Training to be completed BEFORE writing new business.

Universal Appointment paperwork “click here“

Contracting Rules
Carrier Name	Description
Accordia Life	Life Carrier. E&O and EFT required.
Allianz Standard Contract	Life & Annuity. EFT and E&O required.
American Equity	Annuity Carrier only. E&O not required. Dual appointment Not allowed. EFT optional.
American General	Life and Annuity Carrier. Dual appointment allowed. E&O & EFT required.
American National	Life and Annuity Carrier. E&O and EFT required.
Assurity Life	Life Carrier Only. Dual appointment Not allowed. E&O & EFT required
Athene (formerly Presidential)	Annuity Only Carrier. EFT required. Resident & Non-resident fees required. Dual appointment allowed.
AXA/MONY	Life only carrier. E&O required. Dual contracting allowed. EFT not required.
Banner Life	Life Carrier only. Dual contracting allowed. EFT not required.
Cincinnati Life	Life Carrier only. EFT required.
EquiTrust	Annuity & Life Carrier. E&O and EFT required.
Fidelity Life	Life Carrier Only. E&O not required, EFT required
F&G – Fidelity & Guaranty	Life and Annuity Carrier. E&O only required in KY, MS & AL. EFT Required
Fore Thought	Annuity Carrier Only. E&O Not required. EFT optional
Genworth Financial	Life, Annuity & LTC Carrier. Includes NY. EFT not required.
Gerber Life Agency & Principal Contract	E&O and EFT required
Gerber Life Writing Agent Contract	E&O and EFT required
Great American	Annuity Carrier Only. EFT and E&O required.
Guaranty Life (GILICO)	Annuity Carrier Only. E&O required in AL.
Guggenheim Life and Annuity Company	CA Contract Only. E&O required
Guggenheim Life and Annuity Company	All states except CA. Annuity only contract. E&O required.
Integrity	Annuity Carrier Only. E&O not required. EFT optional
John Hancock LTC	LTC Only Contract. E&O required. EFT optional
John Hancock Life	Life Only Contract. E&O required. Dual appointment allowed. EFT required.
Legacy Assurity SPWL	Life Only Carrier. E&O Required. EFT not available. SPWL life product Only.
Legacy Marketing Americo Products	Annuity Only. E&O and EFT required
Legacy Marketing Group	E&O required. EFT optional
Lincoln Financial	Life and Annuity Carrier. E&O is required. Dual appointment allowed. EFT Required.
Metropolitan Life (Disability)	Disability Only. E&O required. EFT optional
MetLife (Life)	Life Only Carrier. E&O required. EFT optional
MN Life	LIFE ONLY Contract. E&O and EFT required
National Western Annuity	Annuity Only contract. . E&O not required. EFT optional.
National Western Life	Life Only contract. EFT and E&O not required.
North American (NACOLAH)	Life and Annuity contract. E&O and EFT Required. Dual appointment allowed up to 2 contracts.
One America	Life, Annuity & LTC Contract. EFT and E&O required
Penn Mutual Annuity	Annuity Only Contract
Phoenix	Life & Annuity Contract
Principal Contracting	Life and Annuity Carrier. E&O and EFT required. Dual appointment allowed.
Protective Life	Life and Annuity Carrier. E&O and EFT required
Prudential Financial	Life Only Carrier. E&O required. EFT Required. Dual appointment allowed.
Royal Neighbors of America	Life and Annuity Carrier. E&O and EFT required.
Sagicor	Life and Annuity Carrier. EFT and E&O required. Dual appointment Not allowed.
Sentinel	Annuity and MedSupp Carrier. E&O and EFT required
Standard Insurance	Annuity Only Carrier. E&O and EFT required
Symetra Financial	Life and Annuity Carrier. E&O not required.
Transamerica	Life Only Carrier. E&O and EFT required.
Transamerica for NY	Life and Annuity Carrier. EFT and E&O required.
United of Omaha/Mutual Of Omaha	Life and Annuity Carrier. E&O Required. Dual appointment allowed.
Voya Annuity (formerly ING USA)	Annuity Carrier Only. E&O required. Dual appointment Not allowed. EFT optional.