Final expense
e-app directory

Many of our top-selling final expense carriers offer electronic applications to streamline the enrollment and underwriting process.  See below for our full list of final expense e-applications.

aetna

 
 
 

PLAN NAMES

  • American Continental Life – Final Expense Whole Life Insurance

  • CVS Accendo Insurance Company – Individual Whole Life Insurance

Agent services phone number

866-272-6630

website instructions

  • Click on Aetna Quote and Enroll within My Tools section

  • Must complete Jet Approval phone call prior to e-app being completed 877-538-2759, available Mon-Fri 8am-10pm EST, Sat 10am-4pm EST

  • You can try out the e-app by clicking on the “Sandbox” link

 

support guides

AIG – American General Life Insurance Company

 
 

PLAN NAME

Guaranteed Issue Whole Life Insurance – GIWL

Agent services phone number

1-800-677-3311

website instructions

  • Under the Start an Application Section click on GIWL eApp

 

support guides

 

Cigna

 
 
 

PLAN NAME

Individual Whole Life

UNDERWRITTEN BY

Loyal American Life Insurance Company

Agent services phone number

877-454-0923

website instructions

  • Click on EXPRESS APP 2.0

  • Phone verification call must be completed alongside e-app. 866-825-4822, available Mon-Fri 7am-6pm CST

 

support guides

foresters

 
 
 

PLAN NAME

Plan Right

UNDERWRITTEN BY

Foresters

Agent services phone number

866-466-7166

Overview

  • Available in 43 states:
    AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY

  • iGo e-app also available for Term, Smart UL and Advantage Plus Plans

 

support guides

 

gerber life

 
 
 

PLAN NAME

Guaranteed Life

UNDERWRITTEN BY

Gerber Life

Agent services phone number

800-428-4947

overview

  • All traditional products are eligible for e-apps

  • All traditional products are eligible for telephone application.  Agent must be registered with Gerber Agent portal prior to conducting telephone application at 877-885-7612.

  • Available plans – Duet, Adult Whole life plan, Simplified Senior Life, Guaranteed Life, Accident Protection AD&D, College Plan

 

support guides

 

Guarantee Trust Life (GTL)

 
 
 

PLAN NAME

Heritage Plan

UNDERWRITTEN BY

Guarantee Trust Life Insurance Company

Agent services phone number

800-323-6907

Overview

E-app is mandated for this product, no paper applications exist.

 

support guides

 

National Guardian Life (NGL)

 
 
 

PLAN NAMEs

  • Estate Plan Trust

  • Funeral Expense Trust

UNDERWRITTEN BY

National Guardian Life

Agent services phone number

800-762-9883

Overview

  • No e-app exists for either plan (EPT/FET).

  • However, agents can go to https://www.mynglic.com and select Electronic Application kit to email a workable application PDF file/kit to the client.

  • NGL will allow over the phone/non face-to-face sales – if the application forms are completed by the agent and the client calls in to do the voice verification process and puts the voice code onto the application

website instructions

  • Voice verification # 800-645-0006 (open 24/7)

  • Once call is completed the agent/customer will obtain a Voice Signature ID#

  • The Voice Signature ID# should be put onto all signature lines of the enrollment forms

  • Agent sends completed enrollment forms to NGL

Royal neighbors of america (RNA)

 
 
 

PLAN NAMEs

  • Simplified Issue Whole Life

  • Graded Death Benefit Whole Life

UNDERWRITTEN BY

Royal Neighbors of America

Agent services phone number

800-770-4561

overview

  • E-app can be used for final expense, Jet Term and Jet Whole life products for face-to-face and remote sales.

  • Final Expense products are eligible for telephone applications – 866-281-9228 Mon-Fri 8am-9pm CST and Sat 8am-2pm CST.  This is for non face-to-face sales only.

 

support guides

 
 

Transamerica

 
 
 

PLAN NAMEs

  • Immediate Solution

  • 10 Pay Solution

  • Easy Solution

UNDERWRITTEN BY

Transamerica Life Insurance Company

Agent services phone number

877-234-4848

Overview

  • E-app not available in NY

  • Must select Transamerica iGO E app, not Senior Markets iGO E app

 

support guides

 

United Home life

 
 
 

PLAN NAMEs

  • Express Issue Premier WL

  • Express Issue Deluxe WL

  • Express Issue WL

  • Guaranteed Issue WL

  • Provider WL

UNDERWRITTEN BY

United Home Life Insurance Company

Agent services phone number

800-428-3001

website instructions

  • Select e-app Home link

  • Express Issue Premier, Express Issue Deluxe and Express Issue WL are all available

  • Provider WL is not eligible for e-app

  • E-app also available for Term Life products

 

support guides

 
 

united of omaha

 
 
 

PLAN NAME

Living Promise

UNDERWRITTEN BY

United of Omaha Life Insurance Company

Agent services phone number

800-715-4376

PRODUCTS AVAILABLE ON FULL E-APP

  • IUL Express

  • Living Promise Whole Life (Final Expense)

  • Term Life Express

  • Children’s Whole Life

  • Guaranteed ADvantage (Accidental Death)

Overview

In addition, on IUL Express, GUL Express, Living Promise and Term Life Express we process the application information in real time and provide an instant underwriting decision.

website instructions

  • Hover over the “Sales & Marketing” tab up top

  • Select “Electronic Applications”

  • Under the Life e-application section, select “Start E-App”

 

support guides