- A – Z Impairment Forms Pack
- Alcohol Usage
- Angioplasty
- Anxiety Disorders
- Arthritis
- Atrial Fibrillation
- Authorization to Release Results
- Avocations
- Build
- Bundle Branch Block
- Cancer (Bladder)
- Cancer (Breast)
- Cancer (Cervical)
- Cancer (Ovarian)
- Cancer (Prostrate)
- Cancer (Skin)
- Cancer (Testicular)
- Cancer (General)
- Cerebral Palsy
- Chronic Obstructive Pulmonary Disease (COPD)
- Congestive Heart Failure
- Coronary Artery Disease
- Coronary Bypass
- Crohns Disease
- Cushing Syndrome
- Dementia / Alzheimers
- Depression
- Diabetes
- Down Syndrome (Intellectual Disability)
- Driving
- Drugs
- Eating Disorders
- Emphysema
- Enlarged Heart
- Epilepsy
- General Use Questionnaire
- Glomerulonephritis
- Heart Attack (Myocardial Infarction)
- Heart Failure
- Heart Murmur
- Hemochromatosis
- Hepatitis
- Hypercoagulable Disorder
- Hyperglycemia
- Hypertension
- Irregular Heartbeat
- Kidney Function Tests
- Kidney Transplant
- Leukemia
- Liver Tests
- Lung Disease
- Lupus
- Lymphoma
- Mental Disorders
- Mitral Valve Disorder
- Mitral Valve Prolapse
- Multiple Sclerosis
- Neuromuscular Disorder
- Pacemaker
- Pancreatitis
- Panhypopituitarism
- Paralysis (Similar Physical Disability)
- Parkinson’s Disease
- Personality Disorders
- Pheochromocytoma
- Polycystic Kidney Disease
- Polyp / Cyst / Tumor / Growth
- Prostate (Benign Prostatic Hypertrophy) – Prostatitis
- Proteinuria (Protein in Urine)
- PSA Elevated
- Sarcoidosis
- Scleroderma Crest
- Seizure Disorder (Epilepsy)
- Sickle Cell Anemia
- Sleep Apnea
- Spinal Cord Injury (Plegic)
- Stent
- Stroke (TIA)
- T-Wave Changes
- Thrombus Hypercoagulable Clotting Disorder
- Thyroid Disease
- Valvular Heart Surgery
Just-In-Time Carrier List
Three Types of Carriers:
Just-in-Time
Just-in-Time in all but some states
Not Just-in-Time
| Carrier | Type |
|---|---|
| Accordia | Just in time (needs business) |
| American Amicable | Just in time (needs business) |
| American General ( AIG) | Just in time (needs business) |
| Assurity | Just in time (needs business) |
| Banner | Just in time (needs business) |
| Family life | Not Just-in-Time and does not need business to become appointed |
| Fidelity & Guaranty Life | Just in time (needs business) if pre-appointment States – AL, D.C., IA, GA, LA, NC, NM, PA, UT (does not need business) |
| Foresters | Just in time (needs business) if a pre-appointed state does not need business CT, LA, *MA, *NM, PA |
| Genworth | Just in time (needs business) |
| Gerber | Just in time (needs business) if a pre-appointed state does not need business GA, LA, PA, WI, and Puerto Rico |
| Lincoln | Just in time (needs business) |
| National Guardian Life | Just in time (needs business) |
| North American | Just in time (needs business) |
| Reliastar/Voya | Just in time (needs business) |
| Settlers | must be contracted before writing an application |
| Transamerica | Just in time (needs business) within 15 days of the client signature date except for pre appointed states KS & PA |
Access Our Virtual Life & Financial Training Archive
Carrier Resources
Branded Carrier Materials
Lincoln FlexAdvantage
Lincoln Optiblend
Royal Neighbors of America
One America Financial
Unbranded Materials
IUL
Life & Annuity Training Videos
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Earn More, Sell Smarter
Are you ready to take your insurance business to the next level? With 30 years of experience, Derek Baltimore offers actionable insights to help you earn up to 25% more by incorporating annuities into your portfolio.
What you’ll get:
Access training videos focused on annuity preparation, fundamentals, and product types.
Schedule one-on-one coaching to address your specific needs.
Access support for building client illustrations
Access to an extensive library of past live session recordings.