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Errors and Omissions (E&O)

All agents with an active license are required to purchase Errors and Omission (E&O) Insurance.To learn more, sign up, check on your status, make changes, or need additional help, please access the E&O page within the agent portal here. Link: https://mygficonnect.com/pages/eando

GFI Errors and Omissions (E&O)

All agents with an active license are required to purchase GFI Errors and Omission (E&O) Insurance.

E&O insurance helps protect you and your business litigation if a customer sues you for a mistake in your professional services. This will help with legal fees and pay for claims that may be filed against you. This ultimately safeguards against financial damages arising from an alleged error or omission you may make while rendering your professional services. GFI E&O insurance is required by our Product Providers and accessible through the GFI platform. Non-GFI E&Os will not be accepted except for New York's E&Os. Therefore, without GFI E&Os, you'll be putting your business at risk, be noncompliant, and have commissions suspended until resolved.The E&O fee is $35 monthly, $105 quarterly, or $420 annually and must be set up for recurring payment.Once complete, you'll receive your 2 page E&O via email along with the next steps.

What if I do not have active E&Os?

If you do not have active E&Os, either due to failed payment or cancelation, you'll be subject to the risk above and your commissions will be held until all past E&O is brought current and E&O subscription is active. Delay in 3 months of E&O coverage will terminate your GFI agent agreement and all carrier appointments.

* E&O Common issues (READ BEFORE PURCHASE) *

We want to highlight the most common issues encountered during the Errors & Omissions (E&O) purchase process to ensure a smooth experience:

Complete full legal name is required.Provide your correct NPN which can be found here.Avoid using agent codes in place of legal names.Ensure accurate spelling of names.Use legal names, not aliases.Fill out all required fields completely.Regularly check spam folders for important communications.

Your attention to these points will help streamline the process and prevent delays.NOTE: Choose your recurring billing below:Need to make changes to your billing address or form of payment on file? Use Stripe's customer portal here.Need additional help? Any request or questions regarding E&O, including "Did I Sign Up Already???", please send email to [email protected]

Subject:E&O Help for FULL NAME and AGENT CODEContent:Name:Code:NPN:Reason:

Need help finding your NPN? Search here at https://nipr.com/help/look-up-your-npn

How do I access my stripe account?

Login to your MyGFIConnect account to access E&O account via Stripe.The following link will help you to access your stripe account for your E&O if you are unable to access your MyGFIConnect account.https://billing.stripe.com/p/login/eVaeVd7M76pAfL2cMMWinFlex is utilized by our agents to run Illustrations.Registration can be found here and is currently accessible to EMDs https://mygficonnect.com/pages/gfi-tools-for-emd-s.Please make sure it is filled out correctly and that the Company Name states GFI (Global Financial Impact). ICA (indepedent contractor agreement)

Common signup issuesICA & Pre-Licensing Refunds

Common signup issues

GFI's Signup Portal can be found here. Best Practice during the sign up process is to remind your future agents to store their email and password used during SignUp. This will help them to sign into the agent portal quicker and revisit the application again if needed."Invalid credentials" ErrorWhen continuing an application, they'll need their email and password used during the initial signup attempt, even if they didn't finish the application. This is for the future agent's own protection. NOTE: Once they provided their name, email, password, phone number, and SSN and hit "Continue", it'll lock it in. When they sign back in, they'll continue where they left.If the agent forgot their application's password, they must email [email protected] from the email used requesting their password."Signup application already exists for the specified tax ID" ErrorThis means the agent already utilized the application. Go back to the start to 'Continue the Application' here. Provide the email and password during the initial attempt.If the agent forgot their application's password, they must email [email protected] from the email used requesting their password."Email already used in another signup" ErrorThis means the agent already utilized the application. Go back to the start to 'Continue the Application' here. Provide the email and password during the initial attempt. If the agent forgot their application's password, they must email [email protected] from the email used requesting their password."Did not receive a Welcome Email"This means their email was entered incorrectly twice or invalid. This is surprisingly common due to the browser's autocorrect and autofill features.If you suspect you have made this error:

verify the email is still working and valid by logging into it directly. This happens when someone creates a new email (i.e. Gmail) just to use for GFI but did not activate it fully.follow up with the Recruiter for they also get an email with the email address used.follow up with the Executive Marketing Director for they also get an email with the email address used.send an email to [email protected] providing your name and correct email to use.WORK-AROUND: you can also use your agent code as the login until your email is fixed.

"Payment is Denied"These are the most common issues, mostly due to not matching what's on file with their card issuer:

Full NameAddress / ZipEmail Address (may be different than SignUp email)Insufficient Funds

Most card issuers may send you an email, text message, or call to confirm the transaction. Once you approve, you should be able to re-submit successfully. If your card issuer did not, contact the number on the back of the card and request approval.

ICA & Pre-Licensing Refunds

Any new agents that request refunds on their ICA will be charged to their EMDs.We want to promote proper recruiting practices so refunds will be subtracted from the EMD's commission. This compensation adjustment will be applied retroactively to cover 2024 and 2025 to date.Additionally, if any agents sign up twice for pre-licensing, the additional vendor charge will also roll up to the EMD and will be taken from the EMD's commission.

Coding & Promotions

How do I change my email in GFI Connect?How do I re-access my ICA?Agent downline transfer.This request is on a case by case basis and requires GFI Executive level approval in addition to agent EMDs within transfer.Inactivity Transfer PolicyCan I merge my code with my spouse's code?What are requirements to maintain previous contract level in GFI?Agent code transfersCo-LeadershipsAdvancement GuidelinesRecruiter Code Correction Form

How do I change my email in GFI Connect?

To currently change your email address, please send an email to [email protected]. You can expect the email address to be updated during working hours of 10am PT and 6pm PT - Mon - Friday. In the near future, you will be able to change your email address directly from your portal.

How do I re-access my ICA?

Email [email protected] your full name used on your application and you will receive the credentials we have on file to re-access your application. When emailing coding via third party i.e. your EMD or referral partner please have them include you copied in the email in order for information to be released.

Agent downline transfer.

This request is on a case by case basis and requires GFI Executive level approval in addition to agent EMDs within transfer.Agent and Downline Transfer Form https://www.rabbitsign.com/template/link/0H9AVtmSteQfhS2DqI7VsR

Inactivity Transfer Policy

The following outlines our policy on transferring inactive agents.Agents at the SMD level or below qualify for an Inactivity Transfer after 12 months.

Agents at the EMD level or above qualify after 24 months.Any outstanding debit balance will follow the agent upon transfer. The agent must remain inactive until official confirmation is received that the transfer has been completed.Inactivity Requirements

To be eligible, an inactive agent must have:

No new licensesNo new carrier appointmentsNo new business submissionsNo personal pointsNo personal recruits

Participating in any of the above would consider the agent as being active.

Can I merge my code with my spouse's code?

We are unable to merge two codes into one and reflect it on the Leaders Bulletin. A couple should decide on which code their business will be operated under as soon as possible. Once it's chosen, make sure the contract level is correct and use that code for all future business.This request should be made to [email protected] a week before the end of the month, so that is can be applied by the next month's first pay cycle.

What are requirements to maintain previous contract level in GFI?

EMD Exemption form, proof of previous 1099 income, and if previously at a competing company proof of resignation. EMD Exemption form can be found with your upline EMD.

Agent code transfers

Can both spouses be merged under one agent code?

Each spouse must maintain separate agent codes. There is no concept of merging of codes.

My spouse has recently joined the business, and I am an EMD. Can we both be EMDs under the same code?

Only one person can hold the EMD designation per code. The other spouse can attain an MD designation. If you wish to make any changes, starting this process at the very beginning of the month is advisable. If you choose do do this after the 1st of the month, your points will fall off the leaderboard.

What will happen to the points under the my code once we transition business under my spouse?

All the points prior to the transition date will not show up under base, super base, and super team. They will show under personal for all the agents, there will be some manual work needed to add these points properly and to ensure points are not double counted.

What is the recommended process for transitioning my code to my spouse, who is now part it is advisable to start this process at the beginning of the month of the business?

- Notify the Coding Department 3 to 5 business days in advance to ensure a smooth transition. This helps in the accurate reflection of points in the system.

- The best time for this transition is at the very start of the month.

- Please send your request to [email protected]. Additionally, copy your direct EMD in the email to keep them informed.

Co-Leaderships

Only EMDs and above are authorized to be co-lead and co-lead with another EMD and above agent. Access the Co-Leadership request form in your EMD forms tab on your mygficonnect portal. All requests to Co-lead will be submitted to the CEO for approval.

Advancement Guidelines

The requirements needed for promotion can be found within your agent portal.Advancement Guidelines Recruiter Code Correction FormThe primary goal of this form is to correct unintentional coding errors or instances where an incorrect recruiter code was used during registration, resulting in the agent being placed under the wrong upline.By submitting a request through this form, both the requesting agent and the current upline acknowledge and agree to the following conditions:

The agent was incorrectly assigned due to the use of an incorrect agent code.The current upline agrees that this was an error and supports the correction.Any false or misleading information will result in the request being denied and may lead to further action.All information provided must be accurate and complete.Approval is subject to internal review and compliance verification.The company reserves the right to approve or modify the request based on applicable policies.This form must not be used as a means to transfer an agent to another team for any reason outside of an unintentional coding error. Misuse of this form or providing false information may result in further administrative action.

Recruiter Code Correction Process

If an agent requires a correction of their recruiter code, they should follow these steps:

The recruiter must contact their EMD to request a Recruiter Code Correction for the recruiter code update.Ensure that all provided information is accurate, including both the recruiter's details, recruiter code, and the agent who is being placed under another upline. All involved agent details must be correct and verifiable in the system.Correction forms must be submitted within 7 days of the ICA to be considered for approval. Only requests submitted within this 7-day timeframe will be processed. Requests exceeding this timeframe may not be processed and will require an NVP request to submit another form.

Important Notice:

Any missing or incorrect information provided on the form will not be processed and will require resubmission with the correct details.By following this process, agents and leaders help maintain accuracy and transparency in hierarchy placements while ensuring compliance with company policies.

Steps for newly licensed agent

Please contact [email protected] and provide GFI Licensing Department the information below. Agent NameAgent GFI CodeEmailNPN In the subject line you must include your full name that is on your state license and GFI agent code. Once GFI Licensing Department receives your information, an email from GFI with next steps to get appointed with the carriers is sent to you.

License setup breakdown by state

We have created a license setup breakdown for each state, empowering our agents in the licensing process.

Simply click the on the state from the main page and it will bring up breakdown: Licensing Setup Breakdown

Where to find your NPN

To find your NPN has never been easier!

Use the link below to access your NPN through NIPR. You will need your personal information (i.e. last name, social security number, and/or license number,

California life and/or health license renewal information

Renewing your California Life and/or Health License has never been easier!

To Renew your California Life and/or Health License, click the link below for information and the application.Free Application Online Renewal ServiceIf renewing in another state besides California, please look up the state's DOI (Department of Insurance) website. These are fabulous resources for obtaining your license, renewing your license, etc.

California continuing education information

The California Department of Insurance (CDI) requires that all insurance producers and agents complete their continuing education requirements before their expiration date. In California, these requirements include:

Twenty-four (24) total hours of California insurance continuing education every renewal period, which is two (2) yearsThree (3) of those hours must be in the subject of ethics

Note:If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you do not need to take double hours. Your total amount of CE credit hours due is still twenty-four (24).Once you completed the insurance CE course, your CE course provider will send a certificate of completion to the California Department of Insurance. Make sure to keep a printed copy of your certificate for your records.Tip:It is recommended to complete all continuing education credits 60 days prior to the expiration date of the license. This will give the CE provider time to report the successful completion to the department of insurance. Your CE courses can be taken at any time within your license term. If you are needing Continued Education information for outside of California, please select the link below and then your state for all state's licensing requirements including CE's.View Insurance Prelicensing Requirements by State | ExamFXContinuing Education Online Course WebsiteContinuing Education Training | Success CE

ExamFX pre-licensing course information

ExamFX has created a comprehensive online training program to ensure candidates are prepared to pass their exam on the first attempt. The link below will take you directly to ExamFX to sign up for your prelicensing course. Please reach out to your EMD for your exclusive discount on course training and materials.Life and Health Insurance Prelicensing Exam Prep and Study Materials - ExamFXExamFX offers Life and Health exam prep in all 50 states.Each state has specific licensing requirements. Candidates need to understand their state's Life and Health licensing requirements as a first step toward success. Select your state to review the requirements and additional information about testing providers and scheduling.View Insurance Prelicensing Requirements by State | ExamFX

Life and/or health state exam information

About the Life and Health Exam

What are the topics covered on the Life and Health Exam?The exam is broken down into seven parts. These topics include:

Life and Health Insurance Basics

Types of losses and benefitsUses of life insuranceUnderwriting and policy issue and deliveryProducer’s responsibilities

Life Insurance Policies

Term policiesTraditional Whole Life policiesUniversal Life and Variable Life policiesOther specialized policiesTypes of annuitiesUses of annuities

Types of Health and Disability Policies

Medical expense insuranceDisability income policiesGroup health insuranceLong-term care

Policy Provisions, Options, and Riders

Standard provisionsTypes of beneficiariesDisability ridersNonforfeiture options, dividend options, and settlement options

Medicare and Medicare Supplements

Medicare Parts A – DMedicare Supplement plansFederal Regulation

Tax Considerations for Life and Health Insurance

Personal life insuranceAnnuitiesTaxation of personally owned health insuranceEmployer-sponsored health plansOther related concepts

Applicable state regulations

Producer licensingEnforcing insurance lawsUnfair trade practicesRegulations specific to Life and Health insurance

The link below will give you exam information for all 50 states.View Insurance Prelicensing Requirements by State | ExamFX

Does GFI accept agents with restricted licenses?

If you have a restricted license and wish to join GFI, you must provide a letter that shows your honesty and transparency.

The acceptance of a restricted license is handled on a case-by-case basis, depending on which carrier partners are willing to appoint you.Like our approach to credit issues, joining GFI for $199 means you're setting yourself up for growth. Training at GFI prepares you fully, so once any restrictions are cleared, you're ready to excel.

Contracting

How do you create a SureLC - GFI account?SureLC is our partner for submitting your contracting requests to our carriers.How to get appointed with Ameritas?What is the status of my carrier appointments?Can I use my previous SureLC imo/fmo for GFI?Just-In-Time AppointmentHow to become appointed with annuity companiesHow to become appointed with Corebridge Partners Group (Life)NLGCarriersCarriers AvailableAt GFI we offer a wide variety of Carriers. Below is a list of those available and where to locate them for appointment.

How do you create a SureLC - GFI account?

SureLC is our partner for submitting your contracting requests to our carriers.

Create a SureLC account under GFI at https://bit.ly/GFI-SureLC-RegistrationComplete NIPR VerificationCreate ID (which is your email)Click CREATE ACCOUNTYou may have prior information pre-populated if you have used SureLC before. Make sure the information is correct.Access your email to create your SureLC passwordSign into your SureLC accountAgain, you may have prior information pre-populated if you have used SureLC before. Make sure the information is correct.

How to get appointed with Ameritas?

Ameritas Appointment Process

Before You Start

1. Have you received your resident state license after becoming a GFI Agent? Complete this first.2. Looking for your appointment status with ETHOS? Go here.3. Don't have your Errors and Omissions (E&O) Certificate yet? Secure it here.5. Setup your direct deposit? Do it here.

How To Get Appointed

Complete the following steps. If you have any questions, request assistance here.

Verify you have setup your direct deposit correctly within your profile.Locate your Errors and Omissions (E&O) Certificate before continuing. Make sure you have completed all of your Continuing Education:AMLAnnuity CourseLong Term Care Course (if Health Licensed)Create a SureLC account under GFI at https://bit.ly/GFI-SureLC-RegistrationComplete NIPR VerificationCreate ID (which is your email)Click CREATE ACCOUNTYou may have prior information pre-populated if you have used SureLC before. Make sure the information is correct.Access your email to create your SureLC passwordSign into your SureLC accountAgain, you may have prior information pre-populated if you have used SureLC before. Make sure the information is correct.Progress through the sections on the left black columnContact – make sure information is correct and complete any information that is missingDoing Business AsPick Licensed Only Agent (LOA)Then Solicitor (required)and then Global Financial Impact (required)Licenses – Your Licenses will populateFINRA – Answer is no if you are not Securities LicensedQuestions – Please answer questions truthfullyHistory – Please provide 5 years of work history. No gaps. If unemployed, please indicate the time unemployed or in school.Save & Exit that sectionCE & Training – You can upload your certificates: AML, Annuity and LTC. You can login to your Continuing Education company, SuccessCE or Kaplan and they will pull your certificates and upload to the system.E & O – E & O insurance is mandatory. You'll use the E & O addendum certificate emailed to you. Don't have it, secure it here. Add Existing PolicyCase limit – 1 MillionTotal Limit – 3 MillionStart Date – 10/01/2024 – Expiration Date 10/01/2025Carrier – National Casualty CompanySave & Exit the sectionSignature – Select Draw Signature – Select AgreeDraw your signature (Make sure it is legible and clear ) – Click DoneProfile Documents – Review and then click SubmitRequests – You will Complete one Provider at a timeCreate RequestCarrier & Request Type – Select CarrierSelect "Ameritas (BROKER)"- which is needed for ETHOS' IUL & be directly appointed under GFI.Contract – NextFixed Life Click the State you live in and that you are licensed in - NextTraining – (your certificates will be uploaded already) course was completed through a vendor – NextErrors & Omission – NextCarrier Questions – (there may be additional questions) – NextQuestionnaire - Answers are transferred to this section – NextReview and Sign – Click OKScroll down – Apply My Signature - SignDownloads – No Thanks or You can download to your computerContracts – As your appointments get finalized you will be able to review them in this section.

SureLC "Platinum Provider Appointment Fee"

SureLC requires an industry standard registration and appointment fee to utilize their system. The fee covers an agent's appointments to all platinum providers with SureLC. GFI has made arrangements to prevent up-front costs to the agent by deferring the payment and drafting from their commissions. This is a one time fee of $85 and will appear as an adjustment labeled "Platinum Provider Appointment Fee" on the commission statement.

What is the status of my carrier appointments?

If you have questions on your contracting status, please contact the carrier's Licensing/Contracting Department NLG (800) 906-3310 Ethos (877) 913- 8467American National- (ANICO (888) 501-4043Ameritas (800) 390-2361Corebridge Life (888) 866-5952Corbridge Annuity (888) 438-6933Forethought (833) 275-4248Foresters (866) 466-7166 Lincoln Financial (800) 238-6252Mutual of Omaha (800) 867-6873North American Life (866) 322-7068 an I use my previous SureLC imo/fmo for GFI?You would need a GFI Agency SureLC account to get appointed with GFI carrier partners.What do I do if I already have a SureLC login from a previous company I worked with?When you enter your NPN # and name on their website, your information will be pre-populated from the SureLC database. Using the GFI SureLC link, your SureLC information will appear under GFI. Look for the GFI logo on the top right side of your window to ensure you are setting it up correctly with GFI. ❌ Reminder: You must use this GFI SureLC link.

Just-In-Time Appointment

Definition: A JIT appointment means that an agent gets appointed precisely when they have business ready to be submitted.Timing: It's not an instantaneous process. The appointment happens at the point of need—when there is actual business to be submitted.Purpose: This approach ensures that the appointment process is efficient and aligns with the immediate needs of the business, avoiding premature or unnecessary appointments.

How to become appointed with annuity companies

If you have new business to submit with Corebridge Annuity, ANICO, Lincoln Financial & Global Atlantic. You can submit appointment request directly in GFI SureLC and then fill out the google form:Corebridge Annuity https://forms.gle/hm8D1cHD1psJ4sew8 ANICO https://forms.gle/jkovmLnt6t5fJsN37 Global Atlantic https://forms.gle/8z6WioDgsjHgCo2r7 Lincoln Financial https://forms.gle/bTUwK7tAfp3eJx8B6 If you have business to submit with North American Annuity, Equitrust, Nassau,or American Equity you need to complete the google form request and then you will receive an email from SuranceBay to apply. For Silac you will receive an email with an invitation link from Silac to complete the request. https://forms.gle/UTEtwuxdKnbsxHpr8

How to become appointed with Corebridge Partners Group (Life)

Make sure your appointment request has been submitted in SureLC before you request appointment to be expedited.Here is the google form to expedite your appointment request with Corebridge Partners Group because you have business pending https://bit.ly/CorebridgePartners Corebridge Partners Group Rapid Rater Quote https://live.cloud.api.corebridgefinancial.com/life/MarketingSoftware/QoLRapidRater

NLG

CarriersGFI currently is not partnered with NLG. If you have any further questions about NLG, please email [email protected] NLG contract has temporarily been suspended.

Carriers Available

At GFI we offer a wide variety of Carriers. Below is a list of those available and where to locate them for appointment.

The following is a list of our current Carriers:

SureLC:

AmeritasANICOANICO NYCorebridge Annuity (AIG)Corebridge Partners Group (AIG)US Life Ins (Corebridge NY)ForestersForethought (Global Atlantic)Lincoln FinancialNorth AmericanMutual of Omaha

Other Annuity Carriers:

SILACNorth American AnnuityEquitrustNassauAmerican Equity

Other:

Ethos - Automatic upon becoming licensed and purchasing Errors & Omissions

Coming Soon:

National WesternSecurian FinancialOne American FinancialPrudential **Please check back for updates.

Ethos

Missing ETHOS appointmentWhen you see an email with subject line "Missing ETHOS Appt".... here are your action items. 1. Check date the agent started in TKT. 2. After they see the date, check ETHOS agent list via spreadsheet. 3. If found on spreadsheet, it was made by ETHOS. If it is on the spreadsheet and NPN # was missing then we have to send it to ETHOS. How do we send the NPN # to ETHOS? - We add it to our daily list and Ethos will update it in 1 business day.Ethos reparentingHow to change my Ethos contract from one company to GFIEthos appointmentEthos relationshipAbout EthosEthos compensation policy

Missing ETHOS appointment

When you see an email with subject line "Missing ETHOS Appt".... here are your action items. 1. Check date the agent started in TKT. 2. After they see the date, check ETHOS agent list via spreadsheet. 3. If found on spreadsheet, it was made by ETHOS. If it is on the spreadsheet and NPN # was missing then we have to send it to ETHOS. How do we send the NPN # to ETHOS? - We add it to our daily list and Ethos will update it in 1 business day.

Ethos reparenting

How to change my Ethos contract from one company to GFIIf you were previously contracted with ETHOS and need to be switched over to GFI, follow the instructions below.Please send an email to [email protected] FROM THE EMAIL ON FILE WITH GFI.Subject:

Reparenting Request for ETHOS

Content:

Name:

Code:

Phone:

NPN:

Statement: "Hi Ethos, I am requesting to reparent underneath GFI. I acknowledge that my compensation will reflect GFI’s compensation.” [Agent Name]”

Ethos appointment

ETHOS

We're excited to offer ETHOS on our platform.It may be one of your first appoint requests delivered to your email in about 2-3 business days after getting your GFI agent code as a Licensed agent.There is nothing that you need to do for ETHOS since GFI will be sending the required information to get you appointed. If it hasn't arrived yet, and you've double checked your SPAM folder, lets help you out!Please send an email to [email protected]

Subject:Missing ETHOS Appt for FULL NAME and AGENT CODEContent:Name:Code:Phone:NPN:

Need help finding your NPN? Search here at https://nipr.com/help/look-up-your-npn

Ethos relationship

Can Ethos solicit my clients?

Your client is your client. It’s not necessary for you to share any of your client information or client lists with Ethos. Client data that you own will always remain yours and at no point will Ethos ever require it. Ethos will not sell your client information to other companies.Any application that Ethos receive through your unique agent URL will be attributed to you. We provide you with a custom link so that you can market directly to your clients. As long as your customers use that link to complete and submit the application, you will receive attribution.Ethos will help you by continuing to provide support to your client, such as following up on an incomplete app. But Ethos doesn't intentionally solicit your clients or attempt to sell them third-party products that may compete with your product offerings, either before or after activating a policy.In the scenario any of your clients or their referrals purchases a policy from Ethos, you will be attributed and credited with the sale. If your client refers another client from their member portal or another Ethos tool, Ethos automatically send your unique agent link to the referral. Once the referral signs up with that link, they will be automatically attributed to you. There are two ways in which your client could share their data with Ethos directly:

Ethos markets their products broadly to consumers via a range of online and offline channels. As a result, it’s possible your client will see and respond to direct Ethos advertising, but we never target individuals based on their relationship with you. Occasionally, a client starts an application using your unique agent URL, leaves before completing it, and then returns directly to the Ethos website at a later time to complete it and activate the policy. In these instances, Ethos will recognize your client’s email address and redirect them to their prior, incomplete application so that you still receive proper attribution.

If I sign up with Ethos, do I become a captive Ethos agent?

No. Your business remains independent of Ethos.The exclusivity requirement in our agreement applies only to other instant-issue life insurance platforms which primarily do business online. You can continue to offer non-Ethos products and use other insurance platforms freely. Signing up with Ethos will not impact your current carrier relationships, and you are free to continue selling products on behalf of traditional carriers.

About Ethos

About Ethos Who is Ethos?

Ethos is a next-generation insurtech company offering life insurance products that can be found online. The 100% online application takes just minutes, many policies are issued same-day, and there are no medical exams required—just a few health questions.Is Ethos an insurance company?

Ethos is a licensed agency that provides producer, underwriting, and third-party administrator (TPA) services. We're not a carrier, but we contract directly with top-tier carriers to provide policies on the carrier’s paper through our site, ethoslife.com.What makes Ethos different?

We’ve built an industry-leading product that is transforming the industry with our 100% online sales platform. Ethos’ proprietary underwriting engine algorithmically assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. We also make it easy for insurance agents to build their business with Ethos life insurance through a 100% online sales platform.Why should I work with Ethos?

We make it fast and easy to sell even more life insurance, with instant underwriting, zero case management for you, and a 90% approval rate. Ethos offers a low barrier to entry for P&C agents looking to cross-sell and a great way for agents specializing in life insurance to accelerate their business.How is Ethos structured?

Ethos is a producer and third party administrator who underwrites policies on behalf of our carrier partners. You and your client will interact primarily with us, while our carriers issue the actual policies.Where is Ethos based?

Ethos employs more than 300 employees in offices in San Francisco, Austin, and Singapore. And we’re continuing to grow.How do I get in contact with Ethos?

Click “Contact Us” anytime on the agent portal. If we’re not available to talk right then, please leave your message and we’ll get back to you as quickly as possible.Are non-citizens eligible for life insurance through Ethos?

U.S. citizens or legal permanent residents residing in the U.S. for the past 6 months are eligible to apply. Legal permanent residents should respond to the 'Place of birth' question with the name of the state in which they've been residing for the past 6+ months.

Ethos compensation policy

Can an unlicensed agent sell insurance?

Ethos requires that any agent who sells, solicits, or negotiates insurance must have a valid insurance license. There are two requirements:

The agent must have a license for the type of business being sold (for example, a life license for life insurance, health license for accidental death, etc.).That license must be active at the time of sale in the state where the applicant resides.Must be contracted with Ethos through GFI

Each time a policy is activated, Ethos will confirm the agent’s status.Who can Ethos pay commissions to?

Ethos pays commissions, or any compensation related to activation of a policy, only to agents with a valid license in the state where the applicant resides at the time of sale.What if an unlicensed downline agent is involved in the sale of a policy?

An unlicensed agent should never sell, solicit, or negotiate an insurance policy. Where there are multiple levels of agents affiliated with a sale and one or more downline agents aren’t licensed, commissions will only be paid to the validly licensed parent agent or agency.What is the difference between referral fees and commissions?

The terms are similar, but Ethos uses the term “Referral Fees” in our producer agreements to describe compensation paid to life licensed agents who successfully refer Ethos products to potential customers. Carriers pay Ethos commissions directly, and Ethos then passes along a portion of the commissions as referral fees to agents who refer business to us. Ethos does not pay any commissions or referral fees to unlicensed agents.Policy activations tied to the agent result in referral fees based on agreements in place between the agent and Ethos if they’re independent, or between their agency and Ethos. Individual agent referral fees are paid promptly on a weekly basis.Where can I get information about Advanced Pay?

Advanced payment of referral fees is available to certain qualified producers as determined by Ethos in its sole discretion. Additionally, Ethos reserves the right to set and modify the requirements, terms, and tiers applicable to advanced pay in its sole discretion. What is the Amendment to the Producer Agreement?

The Amendment replaces Exhibit B at the bottom of your Terms and Conditions, which has been intentionally left blank. The Amendment contains compensation terms, including your customized referral fee rates and terms of payment. As such, they can only be added to the Ethos Producer Agreement as an Amendment.

Commissions

Commission's Checkpoint Guide to Solving Common IssuesIRS Tax Form 1099 - NECWhy am I missing a direct deposit?How do I setup my direct deposit?When do agents get paid?Commission holiday scheduleHow to calculate commission for term productsHow to calculate commissions for IUL productsHow to calculate commissions for annuity productsPolices on Family and Self / As-Earned Commissions / RiskWhy does the commission statement show levels?Reserve adjustment (cross collateral)What are the 10% Reserves?Ethos policy admin feesNorth American policy admin feesAgency Management System (AMS) FeeDirect Deposit FeePlatinum provider appointment feeMax Advanced Commission AmountAOS, APC, and Bonus Pool Qualifications

Commission's Checkpoint Guide to Solving Common Issues

"I didn't get paid at all!""I haven't gotten paid on my policy yet!""I got a chargeback! Policy is active.""Why was I paid as-earned?""My policy's commission is incorrect!"

These are the most common tickets we get, mostly with simple resolutions. Please review them before contacting GFI Commissions via an EMD.

"I didn't get paid at all!"

Missing Commissions / Direct Deposit / E&Os

Please note E&O and Direct Deposit issues can cause commission delays by 2-3 cycles. Please have them both properly setup before producing business.1. Did you review the help center? https://help.mygficonnect.com/help/why-am-i-missing-a-direct-deposit

2. Is the policy listed in your agent portal? What cycle?

3. Is the Check over $50 after any adjustments/fee/reserves?

4. Is your direct deposit correct in your agent portal? When corrected/updated last?

5. Are your E&Os ACTIVE according to this checker? When was it last renewed? https://mygficonnect.com/pages/eando

6. Did you check your email/SPAM for email from us?

6a. If you received an email from us, did you respond DIRECTLY to that original email from us?* Keep in mind, pending your banking relationship, Tues's Cycle may arrive Wed/Thurs and Fri's may arrive Sat/Mon. Holidays will push it out as well.If any of the items above solved your problem, please let us know. If not, what is the Agent Code, Agent Name, and Cycle Date? Provide more details of value and what you have done in terms of investigating the issue.

"I haven't gotten paid on my policy yet!"

Delayed Commissions

1. Did you review every cycle under the "Summary Commission Statement" in the GFI agent portal to make sure it wasn't overlooked?

2. If first policy, by any chance were you contracted with a previous IMO?

3. Did the policy get rewritten or resubmitted?

4. Did you wait the recommended number of days since the policy premium was paid? (see below)GFI Commission Schedule by Carrier:

-American Equity: in 2-3 GFI Cycles after Issue

-Ameritas: cutoff is Thursday for the following Tuesday GFI Cycle

-ANICO: in 2-4 GFI Cycles after Delivery Receipt and Payment clears

-Augustar: cutoff is Wednesday for the following Tuesday GFI Cycle

-Corebridge Annuity: in 1-3 GFI Cycles after Premium

-Corebridge Life: after Delivery Receipt and Payment clears; cutoff is Friday; expect for the next Friday GFI Cycle

-Equitrust: in 2-3 GFI Cycles after Issue

-Ethos / TruStage / John Hancock : in 1-5 GFI Cycles after Premium (up to 2+ weeks)

-Foresters: in 1-3 GFI Cycles after Premium

-Global Atlantic: in 2-3 GFI Cycles after Issue

-Mutual of Omaha: in 1-3 GFI Cycles after Premium

-Nassau: in 2-3 GFI Cycles after Issue

-North American Annuity: in 1-3 GFI Cycles after Premium (up to 30 days if over $750K)

-North American Life: in 1-3 GFI Cycles after Delivery Receipt and Payment clears

-Silac: in 2-3 GFI Cycles after Issue* Please use these as estimates based off our current carrier experiences.

Even if a policy is issued a day BEFORE cut-off, there is a chance it didn't make it in time.

Keep in mind, Holidays may impact the schedule as well."But the carrier support rep said funds were sent to GFI!" Their system does not provide details on the exact stage of commissions and where the funds are.If any of the items above solved your problem, please let us know.If not, what is the Carrier, Policy Number, Agent Code(s), and Writing Agent Name(s), Premium Paid Date, and the Policy Effective Date? Provide more details of value and what you have done in terms of investigating the issue.

"I got a chargeback! Policy is active."

Chargebacks / Client Returned Payment(s)

Most chargebacks can be self diagnosed from the carrier portal. Look at policy details, activities, payments, correspondence letters to clients, and the original policy for guidance.

If unable to locate any of the information in the carrier's portal, please contact them and confirm the status of EACH payment made and attempted from the client (successful, failed, returned, canceled).

Do NOT just ask if the policy is still active or in good order. That does not address the chargeback, especially if the client resolved before the calling.Carriers will trigger a Chargeback if:

1. payment was returned for any reason (failed, insufficient funds, invalid/wrong banking account #, routing # or type). This may change the billing to direct and remove existing bank info and EFT (see #2)

2. client changes from Monthly/Annual EFT to direct billing and/or quarter/semi billing frequency. Commission will be As-Earned from the carrier.

3. client changes the EFT premium amount OR withdrawal date further out into the future.

4. policy lapsed, canceled, or deactivate during the free look period.Chargebacks happen on annuities too, typically due to the client taking RMD or other personal withdrawals.There is nothing GFI Commissions can do about Chargeback if any of the above happens.

Once the client corrects payment/EFT, it may take up to 10 business days for the carrier to apply and re-advance commissions (Corebridge will be As-Earned).

Contact GFI Commissions 2 weeks after the chargeback correction if funds have not been re-advanced.If any of the items above solved your problem, please let us know.If not, what is the Carrier, Policy Number, Agent Code(s), and Writing Agent Name(s)? Provide more details of value and what you have done in terms of investigating the issue.

"Why was I paid as-earned?"

Non-Annualized / Insured & Producer Relationships / Risk

1. Did you review the help center? https://help.mygficonnect.com/help/polices-on-family-and-self-as-earned-commissions-risk

2. Did you check the box on the policy producer application that it's for Self or Family Relationship (including Step)?

3. Is or at any time, was the policy setup as direct billing or quarterly/semi EFT? Only Monthly/Annual EFT advance annualized.

4. If a Corebridge policy, did it re-advance after an annualized chargeback? This is expected and cannot be changed. Also, Corebridge will payout as-earned if a Credit Card was used initially, regardless if EFT was setup afterwards.

5. For your first carrier policy, is there anything questionable in your background?If any of the items above solved your problem, please let us know.If not, what is the Carrier, Policy Number, Agent Code(s), and Writing Agent Name(s)? Provide more details of value and what you have done in terms of investigating the issue.

"My policy's commission is incorrect!"

Different Comp Than Expected

1. Did you review the help center on how to calculate commissions for Annuity and Life products? https://help.mygficonnect.com/help/commissions

1a. Remember the target premium for an IUL is the annual premium OR the target premium listed on the illustration, whichever is LESS.

2. Take in account the carriers own fees, like Ethos? https://help.mygficonnect.com/help/ethos-policy-admin-fees

3. Did you review the Product Guide? https://mygficonnect.com/pages/productguide

4. Did you recently get promoted or transferred ON and AFTER the writing date of the policy/contract?

5. Is the Split % correct in the carrier portal?

6. Does it seem like you were paid As-Earned?

7. Is the policy setup for Monthly/Annual EFT?

8. If looking at a Check, did you account for any chargebacks/adjustments/fee/reserves?Please note there are limits imposed on large policies and contracts. https://help.mygficonnect.com/help/max-advanced-commission-amountIf any of the items above solved your problem, please let us know.If not, what is the Carrier, Policy Number, Target Premium, Agent Code(s), Writing Agent Name(s), and the Expect Commission Amount? Provide more details of value and what you have done in terms of investigating the issue.

IRS Tax Form 1099 - NEC

Did you receive a direct deposit from us during 2024?If YES, then you'll have a 1009 for the 2024 Tax Year!If NO, then no action is needed on your part since a 1099 will not be generated. 1099 tax forms are sent to an agent's email address on file within their agent portal by the end of January. 1. Check Your Email – Look in the inbox of the email associated with your agent portal.2. Check Your Spam/Junk Folder – If you don’t see it, it may have been filtered there. [UPDATE 3/24- some SPAM boxes auto-delete after 30 days]3. Search Your Email - Subject Line would include "Important: GFI 20xx 1099 Tax Form Enclosed (xxxxx)" where 20xx would be the year and xxxxx is your agent code. Your 1099 is essential for tax filing, as it reports your earnings for the year. Please keep it for your records and provide it to your tax professional if needed.Need Assistance? – If you did not receive your 1099 or need further help, please contact us at [email protected] from the email used in your agent portal and provide your full legal name, agent code, and last 4 digits of your SSN.

Why am I missing a direct deposit?

This is common due to the following:

E&Os are not activeNo direct deposit provided when commissions were processedProvided an invalid routing or account numberBank account does not support ACH (or is limited)SSN was incorrectDid not respond to email Commissions to confirm the updating of your missing/incorrect banking information or SSNDirect deposits are generated when the commissions (after adjustments) are over $50Pay cycles are typically every Tuesday and Friday. Pending holidays and your bank's direct deposit schedule, it may take 24-72 hours to appear for you.Negative Ending Balance is present. Means there was a chargeback in the same or a previous cycle that the expected funds went towards to fill.

Commissions will be held/suspended for agents who do not have direct deposit set up or have funds returned due to invalid banking information. In order for held/suspended balances to be released, please work with your EMD to open a Support Ticket.

How do I setup my direct deposit?

You can set up your direct deposit here: GFI Portal - Direct Deposit

When do agents get paid?

Pay cycles are on Tuesdays and Fridays, unless it is a holiday.

How to calculate commission for term products

The commission payout varies depending on the product. Below is an example on how to calculate commissions for each contract level based on a term product.

For term products the commission formula is:

Annual premium x product payout % = commissionable target (points) x contract level % = commission dollarsNote: Commissionable target is equivalent to points. Example: A gold tier term product with 95.83% payout for a policy of $100 per month:

Representative: $100 x 12 = 1200 x 95.83% = 1149 x 30% = $344.70

Associate: $100 x 12 = 1200 x 95.83% = 1149 x 45% = $517.05

Sr. Associate: $100 x 12 = 1200 x 95.83% = 1149 x 50% = $574.50

Marketing Director: $100 x 12 = 1200 x 95.83% = 1149 x 60% = $689.40

Executive Marketing Director: $100 x 12 = 1200 x 95.83% = 1149 x 80% = $919.20

How to calculate commissions for IUL products

The commission payout varies depending on the product. Below is an example on how to calculate commissions for each contract level based on an IUL product.

For IUL products the commission formula is:

Target premium x product payout % = commissionable target (points) x contract level % = commission dollarsNote: Commissionable target is equivalent to points.The target premium for an IUL is the the annual premium OR the target premium listed on the illustration, whichever is LESS.

Example: A silver tier IUL product with 83.33% payout for a policy of $500 per month:

Representative: $500 x 12 = 6000 x 83.33% = 4,999 x 30% = $1,499.70

Associate: $500 x 12 = 6000 x 83.33% = 4,999 x 45% = $2,249.55

Sr. Associate: $500 x 12 = 6000 x 83.33% = 4,999 x 50% = $2,499.50

Marketing Director: $500 x 12 = 6000 x 83.33% = 4,999 x 60% = $2,999.40

Executive Marketing Director: $500 x 12 = 6000 x 83.33% = 4,999 x 80% = $3,999.20

How to calculate commissions for annuity products

The commission payout varies depending on the product. Below is an example on how to calculate commissions for each contract level based on a annuity product.

For annuity products the commission formula is:

Premium x product payout % = commissionable target (points) x contract level % = commission dollarsNote: Commissionable target is equivalent to points.

Example: A platinum tier annuity product with 6.7% payout for a policy with $500,000 in premium:

Representative: $500,000 x 6.7% = 33,500 x 30% = $10,050

Associate: $500,000 x 6.7% = 33,500 x 45% = $15,075

Sr. Associate: $500,000 x 6.7% = 33,500 x 50% = $16,750

Marketing Director: $500,000 x 6.7% = 33,500 x 60% = $20,100

Executive Marketing Director: $500,000 x 6.7% = 33,500 x 80% = $26,800

Polices on Family and Self / As-Earned Commissions / Risk

Each provider has their own respective rules around issuing a policy on yourself or for family members. If this is a concern, please discuss this closely with the provider's new business department.Pending their rules, the policy may pay 'as earned' or delay payout until further investigation is completed by them. Common scenarios include when:

Any writing agent is related to the insuredRelated means self, spouse, or kidsRelation is also a sibling or parentAny writing agent is the policy owner, payee, or a beneficiary

If neither of these items are not a possibility, please contact the provider to understand why the policy is paying 'as-earned.'

Why does the commission statement show levels?

In order for the system to pay out the total commission to the field efficiently, the commissions statements are broken out by contract levels.

The payout lines are as follows:

Representative (R) - 30%

Associate (A) - 15%

Senior Associate (SA) - 5%

Marketing Director (MD) - 10%

Executive Marketing Director (EMD) - 20%

You would add up the payout lines to get the total payout for the policy at the contract level.

Example: Associate with 1000 in Commissionable Target would see:

Representative - $300

Associate - $150

Total: $450

1000 x 45% Associate Contract = $450

Any remaining commissions will go to the appropriate uplines as overrides.

So for this same example, if the Associate's direct upline was an MD, they will see the SA and MD payout lines on their commission statement.

Their EMD will see the EMD payout line on their commission statement.

Reserve adjustment (cross collateral)

In the adjustment details section, you will see a reserve adjustment, sometimes labeled as cross collateral, this is showing the movement of the reserves going to the the agents reserve balance.

So for a simple example: Your commissions for the cycle is $1,000. $500 of it is from NLG policies and $500 is from Ethos policies.$1000 x10% = $100 reserves | $50 from the NLG and $50 from Ethos policies.It will say $50 reserves from NLG and $50 reserves from Ethos.

What are the 10% Reserves?

This is an industry-standard. A Reserve balance protects your business from agents who resign or terminate and have a negative balance.That negative balance rolls up through the hierarchy. The reserve will act as the 1st barrier to paying off the debt. According to our industry, data has found that the average roll-up debt is about a thousand dollars per agent. A 10% Reserve will be automatically allocated from each agent's commission cycle. This entails setting aside 10% of your earned commissions into your reserve until it reaches the agent's contract level threshold stated below. This practice is crucial for the health of your business. Maintaining a reserve ensures your financial stability as an individual agent. It safeguards against unforeseen chargebacks that could otherwise disrupt your finances. This reserve acts as a safety net, offering you peace of mind.What is the reserve threshold per contract level?

$1k for SA and Below, $2k for MD, $3k for SMD, $5k for EMD, $10k for NVP, and $20k for SVP and AboveHow long does it take to receive the reserved 10% back?

To receive your reserved 10% back, you must wait 24 months. This allows time to clear any potential chargebacks that may arise post-termination or resignation.

How do we request the return of our reserves?

To request the return of your reserves, send a direct email to [email protected].

Ethos policy admin fees

Policy admin fees are not commissionable and are subtracted from the target by the Provider.

Certain Ethos products do have monthly policy admin fees. Please see list below for details:

Ethos Term Life - Prime: $6.33Ethos Term Life - Choice: $9.00Ethos Term Life - Spectrum: $4.00Ethos Final Expense: $3.00Ethos IUL: $0.00TruStage Term Life Band 1: $2.50TruStage Term Life Band 2 : $5.00TruStage Advantage Whole Life: $3.00TruStage Guaranteed Acceptance Whole Life: $0.00John Hancock Simple Term ROP: $6.54

* Please be aware while we try our best to keep this up to date, the latest can be found in the Ethos Agent Playbook and Agent Underwriting Guide in the Ethos agent portal.

North American policy admin fees

Policy admin fees are not commissionable and are subtracted from the target by the Provider.

Certain North American products do have monthly/annual policy admin fees. Please review each of the product guides. An example would be the annual $65 non-commissionable policy fee for the ADDvantage Term Life product.Learn more in the North American portal under Life Marketing Hub / Productshttps://www.northamericancompany.com/life-marketing-hub/products

Agency Management System (AMS) Fee

We’re dedicated to providing you with the tools you need to succeed, which is why we’ve invested in an Agency Management System (AMS) that offers comprehensive tracking of your commissions, points, recruits, and more; all in one place.The Agency Management System (AMS) Fee is intended to cover the costs associated with providing these tools and services. GFI has made arrangements to prevent up-front costs to the agent by deferring the payment and drafting from their commissions. However, due to the continued increase in costs and rising expenses for access to these services, we must regularly evaluate and adjust our pricing. Please be aware that these changes may occur without prior notice. Currently, this is a monthly fee of $3.99. It'll appear as an adjustment labeled "Agency Management System Fee" on a commission statement following the month when the initial deposit was received and will continue monthly.

Direct Deposit Fee

The Direct Deposit Fee is intended to cover the costs associated with processing the electronic payments. GFI has made arrangements to prevent up-front costs to the agent by deferring the payment and drafting from their commissions. However, due to the continued increase in costs and rising expenses for access to these services, we must regularly evaluate and adjust our pricing. Please be aware that these changes may occur without prior notice. Currently, this is a monthly fee of $4.99. It'll appear as an adjustment labeled "Direct Deposit Fee" on a commission statement following the month when the initial deposit was received and will continue monthly.

Platinum provider appointment fee

SureLC requires an industry standard registration and appointment fee to utilize their system. The fee covers an agent's appointments to all platinum providers with SureLC. GFI has made arrangements to prevent up-front costs to the agent by deferring the payment and drafting from their commissions. However, due to the continued increase in costs and rising expenses for access to these products and services, we must regularly evaluate and adjust our pricing. Please be aware that these changes may occur without prior notice. Currently, this is a one time fee of $99 and will appear as an adjustment labeled "Platinum Provider Appointment Fee" on the commission statement. Max Advanced Commission AmountTo protect agents from potential hardships from chargebacks and safeguard the stability of their business, we implement commission caps on both our life and annuity businesses. This approach not only limits the risk of chargebacks but also ensures agents receive consistent payouts. Our cap levels and release schedules are designed to support agents' financial security and exceed industry standards.Thanks to our company’s high persistency rate and strong reputation, agents can leverage the opportunity for 100% advancement (annualization) on our policies and contracts (when approved by the carrier). In order to keep this possible, we must protect the company as well. Therefore we have implemented the following.

Annuities:

Commission will be released in $2 million segments until the contract’s total premium is met. After the initial commission is provided, the second segment will be released following the carrier’s free-look period, with subsequent releases occurring monthly thereafter. If any portion of the contract’s premium is surrendered, withdrawn, or taken for a Required Minimum Distribution (RMD) while still in the contract's chargeback period, 100% of the advanced commission will be charged back to the agent.Example of a $5,000,000 annuity contract:

Initial – Commission released based on the first $2,000,000

After Free Look – Commission released based on the next $2,000,000

1 Month Later – Commission released based on the remaining $1,000,000

Life Insurance (when premium is not paid annually):

The initial maximum advancement for any life policy is 30,000 points. The remaining commission will be equally divided and released during months 10, 11, and 12.Example of a 60,000 point policy:

Initial – Commission released based on 30,000 points

Month 10 – Commission released based on 10,000 points

Month 11 – Commission released based on 10,000 points

Month 12 – Commission released based on 10,000 points

Commissions Checks:

Depending an agent's contract level, they will be capped at a certain dollar amount for their commission checks. The company reserves the right to exceed the amount based on various factors and may include approval by the agent's upline. The amount over the cap will be held and released monthly up to the cap.SMD and Below Check Cap- $50,000

EMD and Above Check Cap- $100,000Example of a $115,000 commission check due to a Senior Associate on an Annually Funded Policy:

Initial – $50,000 Commission released

Month 2 – $50,000 Commission released

Month 3 - $15,00 Commission released

Please note: GFI and our carriers reserve the right to adjust the release amounts and timing based on individual agent factors, including experience, contract level, tenure with GFI, persistency, risk assessment, and their good standing status with GFI and regulatory entities.

AOS, APC, and Bonus Pool Qualifications

Gain a deeper understanding of these commissionable structures within your agent portal.Bonus Pool QualificationsQuarterly Bonus Pool Qualifications Agency Override StandardAdjusted Point Crediting

Life, Annuity, and New York Product Guides

For Internal Use OnlyWhile working to ensure the accuracy and reliability of the information presented in these guides, there is no guarantee that all details are entirely free from errors or omissions. The availability of commissionable products listed may vary and is subject to change without prior notice and the ongoing availability of any specific commission opportunity is not guaranteed. The details provided are based on the information available at the time of publication. Product features, specifications, and terms may change over time, and it is advisable to verify specific details independently before making any decisions. Commission rates, terms, structures, and eligibility criteria outlined are subject to change at any time as necessary without prior notification. The inclusion of any commissionable product in this guide does not constitute an endorsement or recommendation. Individuals are encouraged to conduct their own research and due diligence before selecting any commissionable product and are liable for decisions made or actions taken based on the information provided in this guide. Users are solely responsible for their decisions and actions related to commissionable products.By using this commissionable product guide, you acknowledge and agree to the above disclaimer.

Product Provider Detailed Guide

Detailed Product Guides

Product Guide

For Internal Use Only

While working to ensure the accuracy and reliability of the information presented in these guides, there is no guarantee that all details are entirely free from errors or omissions. The availability of commissionable products listed may vary and is subject to change without prior notice and the ongoing availability of any specific commission opportunity is not guaranteed. The details provided are based on the information available at the time of publication. Product features, specifications, and terms may change over time, and it is advisable to verify specific details independently before making any decisions. Commission rates, terms, structures, and eligibility criteria outlined are subject to change at any time as necessary without prior notification. The inclusion of any commissionable product in this guide does not constitute an endorsement or recommendation. Individuals are encouraged to conduct their own research and due diligence before selecting any commissionable product and are liable for decisions made or actions taken based on the information provided in this guide. Users are solely responsible for their decisions and actions related to commissionable products.By using this commissionable product guide, you acknowledge and agree to the above disclaimer.

Product Provider Detailed Guide

Life or here*Annuity or here*New York or here*

Continue to Revisit This Page for Product Updates.

*Pending your browser configuration

Can I become an agent at GFI if I have bad credit or debt?

We understand that everyone's situation is different. If you have bad credit or debt, it doesn't automatically disqualify you from becoming an agent, for each case is reviewed individually and may involve decisions from your resident state and any product providers you'd like to become appointed with. You may be required to provide documentation and your plan for improvement. If you have a debit balance with a previous provider, please find out more here. GFI offers a chance for personal growth. With a membership, you can start training and advancing your skills even while resolving your financial issues.

We believe in moving forward and not letting past issues stop you from pursuing your goals!

How can I get my own custom GFI email address?

At GFI, agents are not permitted to create their own custom GFI email addresses. We do not offer work emails that include "GFI" in the address.

It is recommended that agents use Gmail for their professional communications. Make sure to include your first and last name in your email address to maintain a professional appearance.

GFI email address

GFI does not permit agents to use "GFI" in the domain of their email addresses. This policy has been established to maintain brand integrity and legal compliance. Using "GFI" in an email domain could mistakenly represent the company in a non-official capacity, which we need to avoid to protect our brand and operations.Examples:

Not permitted: [email protected] permitted: [email protected]

Agents are encouraged to use alternatives that do not incorporate "GFI" directly in the domain, ensuring all communications remain clear and compliant.

Rings & Watches Ordering Process

Ordering & Qualification

Rings and watches are ordered once a month after the last cycle of the month.Agents must maintain the required cash flow until the end of the qualifying month for their order to be processed.Once qualified, a Ring or Watch Order Form will be sent via email to the qualifying agent. It will be sent to the email listed on their GFI Agent Portal.Agents must submit the completed form to receive their recognition item.

Processing Timeline

Verification Process: Takes about 1-2 weeks to confirm eligibility.Watches Delivery: Once verified, watches take 2-3 weeks to be processed and shipped.Rings Delivery: Rings take 3-5 weeks to be crafted, engraved, and delivered.

How to Order a Ring or Watch

1. Submit the Order Form

Fill out the Ring & Watch Order Form with correct details (full name, confirm the LAST NAME you would like on your ring, ring/watch preferences, etc.).Email the completed form to [email protected].

2. Verification Process

The GFI Recognition Department will check your submission for accuracy. If any details are missing or incorrect, the team will reach out for corrections.

3. Payment Processing

For $50K watches and $100K rings: The upline EMD is responsible for paying for their downline’s order. The upline EMD will be charged through commissions on the third Friday pay cycle of the month and will only be charged for the primary agent.For spouse rings/watches and additional qualified rings ($250K, $500K, etc): The primary agent will be charged for these items through their commissions on the third Friday cycle of the month.Agents must confirm all details before finalizing the order.

4. Production & Shipping

State Exam - LifePrometricFee is required for each attempt.$38State Exam - HealthPrometricRequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam fee is $49)$38*State Application - LifeNIPRFee is for Life Only$120State Application - HealthNIPRIf Health License is applied at the same time as Life, no additonal fee*$120*FingerprintingFieldPrint ArizonaTwo-Part Process - Online registration and appointment required$30.69

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of Arkansas

re-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePSI ExamsFee is required for each attempt.$50State Exam - HealthPSI ExamsRequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam fee is $49)$50*State Application - LifeNIPRFee is for Life Only$15State Application - HealthNIPRIf Health License is applied at the same time as Life, no additonal fee*$15*State Background CheckArkansas BackgroundState required backgrouond check - Must be done before scheduling exam$36.25Fingerprinting

Not required

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration date

State of California

California Department of Insurance

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePSI ExamsFee is required for each attempt.$98State Exam - HealthPSI ExamsRequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam, no additional fee)$98*State Application - LifeNIPRFee is for Life Only$188State Application - HealthNIPRIf Health License is applied at the same time as Life, no additonal fee*$94*FingerprintingCA LiveScan FormFingerprinting fee varies by location. Fee listed is an average estimate.$74

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of Colorado

Colorado Division of Insurance

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePearsonVueFee is required for each attempt$41State Exam - HealthPearsonVueRequired for certain products and riders. Fee is required for each attempt. (*Life & Health comined exam, no additional fee). Cannot take combined exam online.$41*State Application - LifeNIPRFee is for Life life of authority only$47State Application - HealthNIPRFee is for Health life of authority only$47Fingerprinting

Not required$0

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of Connecticut

Connecticut Insurance Department

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePearsonVUEFee is required for each attempt.$59State Exam - HealthPearsonVUERequired for certain products and riders. Fee is required for each attempt. (Cannot take Life and Health at the same time)$59State Application - LifeNIPRNo license application fee$0State Application - HealthNIPRNo license application fee$0FingerprintingFingerprint InstructionsReason Code: MCA 33-17-220 / ORI: MT920050Z, MT State Auditor$30

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of Nebraska

Nebraska Department of Insurance

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePSI ExamsFee is required for each attempt.$43State Exam - HealthPSI ExamsRequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam fee is $47)$43*State Application - LifeNIPRFee is for Life only.$50State Application - HealthNIPR*If applying for Health license at the same time as Life, no additional fee.$50Fingerprinting

Not required$0

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of Nevada

Nevada Division of Insurance

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePearsonVUEFee is required for each attempt.$39State Exam - HealthPearsonVUERequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam fee is $49) Cannot take combined exam online.$39*State Application - LifeNIPRFee is for Life only.$185State Application - HealthNIPR*If applying for Health license at the same time as Life, no additional fee.$50FingerprintingApproved Fingerprinters*Fee is approximate as it is based on vendor and location$64*

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of New Hampshire

New Hampshire Insurance Department

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePearsonVUEFee is required for each attempt$59State Exam - HealthPearsonVUERequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam, no additional fee)$59*State Application - LifeNIPRFee is for Life only.$25State Application - HealthNIPR*If applying for Health at the same time as Life, no addtional fee$25*Fingerprinting

Not required$0

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

State of South Dakota

South Dakota Division of Insurance

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePearsonVUEFee is required for each attempt$96State Exam - HealthPearsonVUERequired for certain products and riders. Fee is required for each attempt. (*Life & Health combined exam fee is $113)$96*State Application - LifeNIPRFee is for Life only$100State Application - HealthNIPRNo additional fee to add Health license at a later date$0Fingerprinting

Fee will be added to NIPR application fee. Fingerprinting packet will be mailed to you after DOI receive your NIPR application.$39

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration dateVaries

District of Columbia

District of Columbia Department of Insurance, Securities & Banking

Disclaimer: All fees and requirements are subject to change at any time by the state and service providers.

Pre-Licensing Items

Vendor

Description / Notes

Amount

Independent Contractor AgreementGFIUnique Business Code, background checks for all providers$199Pre-LicensingExamFXSPONSORED (up to $299.95 value)

State Exam - LifePearsonVUEFee is required for each attempt$75State Exam - HealthPearsonVUERequired for certain products and riders. Fee is required for each attempt. (Cannot take Life and Health at the same time)$75State Application - LifeNIPRFee is for Life only$100State Application - HealthNIPRFee is for Health only$100FingerprintingFieldPrint DCAppointment required$31.50

Post-Licensing Items

Continuing EducationSuccessCE/Kaplan/ExamFXFee is approximate as there are several different vendors$39.95

Recurring Items

E&O InsuranceGFIMonthly (quarterly and annual options available)$35Continuing EducationAny vendor of your choiceAll licensed agents must complete CE courses every 2-3 years depending on your resident state license expiration date Varies

Tier	Type	Provider	Product	Payout	Excess	Renewals
PLATINUM	IUL LB	NORTH AMERICAN	BUILDER PLUS IUL 4 (OPTION A)	100%	1%	0.50%
PLATINUM	IUL LB	COREBRIDGE PARTNERS GROUP	QOL MAX ACCUMULATOR + III	100%	1%	0.50%
PLATINUM	IUL LB	COREBRIDGE PARTNERS GROUP	QOL VALUE PROTECTOR+ III	100%	N/A	0.50%
PLATINUM	IUL LB	AMERITAS	Growth IUL	100%	1%	1%
PLATINUM	IUL LB	AMERITAS	Value Plus IUL	100%	1%	1%
PLATINUM	IUL LB	AUGUSTAR	VIRTUS IUL II	100%	N/A	1%
PLATINUM	IUL LB	ETHOS	AMERITAS INDEXED UNIVERSAL LIFE	100%	N/A	N/A
PLATINUM	IUL LB	ANICO	SIGNATURE PERFORMANCE INDEXED UL (AGES 0-69)	100%	1%	1%
PLATINUM	IUL LB	MUTUAL OF OMAHA	INCOME ADVANTAGE IUL	100%	1%	1%
PLATINUM	IUL	MUTUAL OF OMAHA	IUL EXPRESS	100%	1%	N/A
PLATINUM	IUL	MUTUAL OF OMAHA	LIFE PROTECTION ADVANTAGE	100%	N/A	1%
PLATINUM	IUL	ANICO	SIGNATURE PROTECTION INDEXED UL (AGES 0-69)	100%	1%	0.50%
PLATINUM	UL	AMERITAS	VALUE PLUS UL	100%	1%	1%
PLATINUM	Survivorship	AMERITAS	Survivorship IUL	100%	1%	1%
PLATINUM	TERM LB	AMERITAS	CLEAREDGE LIVING BENEFITS TERM 20 / 25 / 30	100%	N/A	N/A
PLATINUM	TERM LB	FORESTERS	STRONG FOUNDATION TERM 10 / 15 / 20 / 25 / 30	100%	N/A	N/A
PLATINUM	TERM LB	MUTUAL OF OMAHA	TERM LIFE EXPRESS (15, 20, 30, 30 W/ ROP)	100%	N/A	N/A
PLATINUM	TERM	MUTUAL OF OMAHA	TERM LIFE EXPRESS 10 YEAR	100%	N/A	N/A
PLATINUM	TERM	COREBRIDGE PARTNERS GROUP	QOL FLEX TERM 20 - 30YR, & 35YR	100%	N/A	N/A
PLATINUM	TERM	ETHOS	ETHOS TERM LIFE - PRIME, SELECT, SPECTRUM, & CHOICE	100%	N/A	N/A
PLATINUM	TERM	ETHOS	JOHN HANCOCK SIMPLE TERM 25 & 30	100%	N/A	N/A
PLATINUM	TERMROP	ETHOS	JOHN HANCOCK SIMPLE TERM ROP 25 & 30	100%	N/A	N/A
PLATINUM	Whole Life	AMERITAS	Growth Whole Life	100%	N/A	1%
PLATINUM	Whole Life	AMERITAS	VALUE PLUS WHOLE LIFE	100%	N/A	1%
PLATINUM	Whole Life	AMERITAS	ACCESS WHOLE LIFE	100%	N/A	1%
PLATINUM	Whole Life	ANICO	SIGNATURE WHOLE LIFE (AGES 0-69)	100%	N/A	0.50%
PLATINUM	Whole Life	ANICO	LIMITED PAY WHOLE LIFE (AGES 18-44, 45-49)	100%	N/A	0.50%
PLATINUM	Whole Life	FORESTERS	PLANRIGHT LEVEL/GRADED - ISSUE AGES 50 â€“ 80	100%	N/A	1%
PLATINUM	Whole Life	MUTUAL OF OMAHA	LIVING PROMISE 45 - 80	100%	N/A	N/A
PLATINUM	Final Expense	COREBRIDGE	TMG SIMPLINOW LEGACY MAX WL	100%	N/A	1%
GOLD	IUL LB	AUGUSTAR	VIRTUS PROTECTION IUL	95.83%	N/A	N/A
GOLD	IUL LB	ANICO	SIGNATURE PERFORMANCE INDEXED UL (AGES 70-85)	95.83%	N/A	0.50%
GOLD	IUL	ANICO	SIGNATURE PROTECTION INDEXED UL (AGES 70-85)	95.83%	N/A	0.50%
GOLD	UL	FORESTERS	SMARTUL	95.83%	N/A	1%
GOLD	UL	ANICO	ANICO EXECUTIVE UL (AGES 0-69)	95.83%	1%	0.50%
GOLD	GUL	ANICO	SIGNATURE GUARANTEED UL (AGES 18-69)	95.83%	1%	0.50%
GOLD	TERM LB	FORESTERS	STRONG FOUNDATION TERM 15 / 20 / 25 / 30 (SUB-STANDARD)	95.83%	N/A	N/A
GOLD	TERM LB	MUTUAL OF OMAHA	TERM LIFE ANSWERS 20 AND 30 YEAR	95.83%	N/A	N/A
GOLD	TERM LB	AMERITAS	CLEAREDGE LIVING BENEFITS 15 TERM	95.83%	N/A	N/A
GOLD	TERM	FORESTERS	YOUR TERM 15 / 20 / 25 / 30 YEAR	93.75%	N/A	N/A
GOLD	IUL	NORTH AMERICAN	CUSTOM GUARANTEE (GEN 9)	91.67%	1%	N/A
GOLD	IUL	NORTH AMERICAN	PROTECTION BUILDER IUL (OPTION A)	91.67%	1%	1%
GOLD	IUL	NORTH AMERICAN	SMARTBUILDER 3 IUL (OPTION A)	91.67%	1%	1%
GOLD	IUL	SYMETRA	SYMETRA ACCUMULATOR ASCENT IUL 2.0	91.67%	1%	N/A
GOLD	UL	AUGUSTAR	V-PRO UL II	91.67%	N/A	1%
GOLD	UL	ANICO	ANICO EXECUTIVE UL (AGES 70-85)	91.67%	N/A	0.50%
GOLD	GUL	COREBRIDGE PARTNERS GROUP	QOL GUARANTEE PLUS GUL II	91.67%	N/A	N/A
GOLD	GUL	ANICO	SIGNATURE GUARANTEED UL (AGES 70-80)	91.67%	N/A	0.50%
GOLD	TERM LB	AMERITAS	CLEAREDGE LIVING BENEFITS 10 TERM	91.67%	N/A	N/A
GOLD	TERM LB	NORTH AMERICAN	ADDVANTAGE GEN 9 (20 & 30 YEAR TERM)	91.67%	N/A	N/A
GOLD	Whole Life	FORESTERS	ADV. PLUS II WL PAY TO 100 - ISSUE AGES 0 - 65	91.67%	N/A	1%
SILVER	TERM	FORESTERS	STRONG FOUNDATION TERM 10 (SUB-STANDARD)	87.50%	N/A	N/A
SILVER	Whole Life	FORESTERS	BRIGHTFUTURE - JUVENILE WHOLE LIFE (PAY TO 100)	87.50%	N/A	N/A
SILVER	Whole Life	ANICO	SIGNATURE WHOLE LIFE (AGES 70 - 79)	83.33%	N/A	N/A
SILVER	Whole Life	ANICO	LIMITED PAY WHOLE LIFE (AGES 50-54)	83.33%	N/A	N/A
SILVER	Whole Life	FORESTERS	ADV. PLUS II WL PAY TO 100 - ISSUE AGES 66 - 70	83.33%	N/A	1%
SILVER	Whole Life	MUTUAL OF OMAHA	CHILDREN'S WHOLE LIFE	83.33%	N/A	N/A
SILVER	TERM LB	COREBRIDGE PARTNERS GROUP	QOL FLEX TERM 15 â€“ 19 YEAR	83.33%	N/A	N/A
SILVER	TERM	AUGUSTAR	TERM 15 / 20	83.33%	N/A	N/A
SILVER	TERM	AMERITAS	VALUE PLUS 20 AND 30-YR TERM	81.25%	N/A	N/A
SILVER	TERM	AMERITAS	INSTANT 20, 25, AND 30-YR TERM	81.25%	N/A	N/A
BRONZE	IUL	AUGUSTAR	VIRTUS BASIC II	79.17%	N/A	N/A
BRONZE	TERM	AMERITAS	VALUE PLUS 10 AND 15-YR TERM	79.17%	N/A	N/A
BRONZE	TERM	AMERITAS	INSTANT 10 AND 15-YR TERM	79.17%	N/A	N/A
BRONZE	Whole Life	AUGUSTAR	PRESTIGE INDEXED 20 PAY - AGES 18-75	79.17%	N/A	N/A
BRONZE	Survivorship	SECURIAN	ECLIPSE SURVIVOR II IUL	79.17%	N/A	N/A
BRONZE	TERM LB	NORTH AMERICAN	ADDVANTAGE GEN 9 (15 TERM)	75.00%	N/A	N/A
BRONZE	TERM LB	COREBRIDGE PARTNERS GROUP	QOL FLEX TERM 10 YEAR	75.00%	N/A	N/A
BRONZE	TERM	AUGUSTAR	TERM 15 / 20 PLUS	75.00%	N/A	N/A
BRONZE	Whole Life	FORESTERS	ADV. PLUS II WL PAY TO 100 - ISSUE AGES 71 - 75	75.00%	N/A	1%
BRONZE	TERM LB	NORTH AMERICAN	ADDVANTAGE GEN 9 (10 TERM)	70.83%	N/A	N/A
BRONZE	TERM	AUGUSTAR	TERM 10	70.83%	N/A	N/A
BRONZE	TERM	AMERITAS	VALUE PLUS 1-YR TERM	66.67%	N/A	N/A
BRONZE	Whole Life	FORESTERS	ADV. PLUS II WL PAY TO 100 - ISSUE AGES 76 - 80	66.67%	N/A	1%
BRONZE	Whole Life	MUTUAL OF OMAHA	LIVING PROMISE 81 - 85	66.67%	N/A	N/A
BRONZE	TERM	AUGUSTAR	TERM RECAP	62.50%	N/A	N/A
BRONZE	Whole Life	ANICO	LIMITED PAY WHOLE LIFE (AGES 55 - 70)	62.50%	N/A	N/A
BRONZE	Whole Life	AUGUSTAR	PRESTIGE INDEXED 10 PAY - AGES 18-75	58.33%	N/A	N/A
BRONZE	Whole Life	FORESTERS	ADV. PLUS II WL PAY TO 100 - ISSUE AGES 81 - 85	58.33%	N/A	1%
BRONZE	Whole Life	MUTUAL OF OMAHA	LIVING PROMISE GRADED	58.33%	N/A	N/A
BRONZE	Whole Life	ANICO	SIGNATURE WHOLE LIFE (AGES 80 - 85)	54.17%	N/A	N/A
BRONZE	Whole Life	AUGUSTAR	PRESTIGE INDEXED 20 PAY - AGES 0-17	54.17%	N/A	N/A
BRONZE	TERM	AUGUSTAR	TERM 10 PLUS	54.17%	N/A	N/A
BRONZE	Whole Life	AUGUSTAR	PRESTIGE INDEXED 10 PAY - AGES 0-17	33.33%	N/A	N/A
BRONZE	Whole Life	ETHOS	TRUSTAGE GUARANTEED ACCEPTANCE WHOLE LIFE	20.00%	N/A	N/A
BRONZE	Final Expense	ETHOS	TRUSTAGE ADVANTAGE WHOLE LIFE (AGES 18-85)	20.00%	N/A	N/A
BRONZE	TERM	ETHOS	TRUSTAGE SIMPLIFIED ISSUE TERM LIFE	20.00%	N/A	N/A

Tier	Type	Provider	Product	Payout
PLATINUM	SPIA	AMERICAN NATIONAL (ANICO)	RATE CERTAINTY ANNUITY 20 (AGES 0-74)	8.33%
PLATINUM	LTC	ONEAMERICA	ASSET CARE SINGLE PREMIUM	8.00%
PLATINUM	LTC	ONEAMERICA	ASSET CARE SINGLE PREMIUM W/ ROP	8.00%
PLATINUM	SPIA	AMERICAN NATIONAL (ANICO)	RATE CERTAINTY ANNUITY 10 (AGES 0-74)	7.50%
PLATINUM	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 0-70 QUALIFIED & ROTH IRAS < $25K (LOUISIANA ONLY)	7.42%
PLATINUM	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 0-75 NON-QUALIFIED & ROTH IRAS â‰¥ $25K (LOUISIANA ONLY)	7.42%
PLATINUM	SPIA	SILAC	DENALI BONUS 14â€“ AGE 0-75	7.42%
PLATINUM	SPIA	SILAC	TETON BONUS 14â€“ AGE 0-75	7.42%
PLATINUM	SPIA	SILAC	VEGA BONUS 14â€“ AGE 0-75	7.00%
GOLD	FIA	AMERICAN NATIONAL (ANICO)	STRATEGY INDEX 10 YR EIA - AGE 0-75	6.88%
GOLD	SPIA	COREBRIDGE	ANNUITY POWER 10 PROTECTOR OPTION 1 - AGE 18-75	6.70%
GOLD	SPIA	COREBRIDGE	ANNUITY POWER 10 PROTECTOR PLUS INCOME OPTION 1 - AGE 50-75	6.70%
GOLD	LTC	ONEAMERICA	ANNUITY CARE II	6.67%
GOLD	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 0-70 QUALIFIED & ROTH IRAS < $25K (EXCLUDES LA, FL, TX)	6.58%
GOLD	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 0-75 NON-QUALIFIED & ROTH IRAS â‰¥ $25K (EXCLUDES LA, FL, TX)	6.58%
GOLD	SPIA	NASSAU	BONUS ANNUITY 10 (AL, AR, AZ, CO, etc.) AGE 0-75	6.45%
GOLD	SPIA	NASSAU	GROWTH ANNUITY 10 (AL, AR, AZ, CO, etc.) AGE 0-75	6.45%
GOLD	SPIA	NASSAU	INCOME ACCELERATOR (AL, AR, AZ, CO, etc.) AGE 0-75	6.45%
GOLD	SPIA	NASSAU	PERSONAL INCOME (AL, AR, AZ, CO, etc.) AGE 0-75	6.45%
GOLD	SPIA	NASSAU	PROTECTION CHOICE (AL, AR, AZ, CO, etc.) AGE 0-75	6.45%
GOLD	SPIA	SILAC	TETON BONUS 10â€“ AGE 0-75	6.38%
GOLD	SPIA	NASSAU	BONUS ANNUITY 10 (AK, CA, FL, etc.)	6.25%
GOLD	SPIA	GLOBAL ATLANTIC	INCOME 150+ 10 - AGE 0-80	6.25%
GOLD	SPIA	GLOBAL ATLANTIC	FOREINCOME II 10 - AGE 0-80	6.25%
GOLD	SPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 10 - AGE 0-80	6.25%
GOLD	FA	GLOBAL ATLANTIC	FORECARE â€“ AGE 50-75	6.25%
GOLD	LTC	ONEAMERICA	INDEXED ANNUITYCARE UP TO AGE 75	6.25%
GOLD	SPIA	SILAC	DENALI BONUS 10â€“ AGE 0-75	6.20%
GOLD	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 76-80 NON-QUALIFIED & ROTH IRAS â‰¥ $25K (LOUISIANA ONLY)	6.17%
GOLD	FPIA	NORTH AMERICAN	CHARTER PLUS 10 & 14 â€“ AGE 0-75	6.00%
GOLD	SPIA	NORTH AMERICAN	INCOME PAY PRO â€“ AGE 0-75	6.00%
GOLD	SPIA	NORTH AMERICAN	BENEFITSOLUTIONS 10 â€“ AGE 0-75	6.00%
GOLD	SPIA	NORTH AMERICAN	CONTROL X â€“ AGE 0-75	6.00%
GOLD	SPIA	NORTH AMERICAN	VERSACHOICE â€“ AGE 0-75	6.00%
GOLD	SPIA	SILAC	VEGA BONUS 10â€“ AGE 0-75	6.00%
GOLD	SPIA	EQUITRUST	MARKETPOWER BONUS â€“ ALL AGES	6.00%
SILVER	FIA	LINCOLN	LINCOLN OPTIBLEND 10 AGE 0-74	5.83%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 0-70 QUALIFIED & ROTH IRAS < $25K (FLORIDA ONLY)	5.75%
SILVER	SPIA	AMERICAN EQUITY	INCOMESHIELD 9 - AGE 18-75	5.42%
SILVER	SPIA	AMERICAN EQUITY	INCOMESHIELD 10 - AGE 18-75	5.42%
SILVER	SPIA	AMERICAN NATIONAL (ANICO)	STRATEGY INDEX 10 YR EIA (AGES 76-80)	5.42%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 76-80 NON-QUALIFIED & ROTH IRAS â‰¥ $25K (NOT LA/FL)	5.33%
SILVER	SPIA	AMERICAN EQUITY	ASSETSHIELD 9 - AGE 18-75	5.33%
SILVER	SPIA	AMERICAN EQUITY	ASSETSHIELD BONUS 9 - AGE 18-75	5.33%
SILVER	SPIA	SILAC	DENALI BONUS 7 â€“ AGE 0-75	5.33%
SILVER	SPIA	SILAC	VEGA BONUS 7â€“ AGE 0-75	5.33%
SILVER	LTC	ONEAMERICA	ANNUITY CARE UP TO AGE 75	5.21%
SILVER	SPIA	NASSAU	BONUS ANNUITY 9	5.20%
SILVER	SPIA	NASSAU	GROWTH ANNUITY 7	5.20%
SILVER	SPIA	EQUITRUST	MARKETVALUE â€“ ALL AGES	5.12%
SILVER	SPIA	EQUITRUST	MARKETFORCE â€“ ALL AGES; NOT CALIFORNIA	5.12%
BRONZE	SPIA	NORTH AMERICAN	PERFORMANCE CHOICE 8 NO BONUS AGE 0-75	3.79%
BRONZE	FPIA	AMERITAS	INCOME 10 INDEX ANNUITY OPT A AGE 81-850	3.83%
BRONZE	SPIA	AMERICAN EQUITY	INCOMESHIELD 7 - AGE 40-75	3.75%
BRONZE	FPIA	NATIONAL WESTERN LIFE	IMPACT '7' AGE 0-75 NON-QUALIFIED & ROTH IRAS â‰¥ $25K	3.66%
BRONZE	FPIA	NATIONAL WESTERN LIFE	IMPACT '7' AGE 0-70 QUALIFIED & ROTH IRAS < $25K	3.66%
BRONZE	FPIA	AMERITAS	ACCUMULATION 7 INDEX ANNUITY OPT A AGE 81 - 85	3.62%
BRONZE	SPIA	AMERICAN EQUITY	ESTATESHIELD 9 - AGE 40-75	3.56%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREINCOME II 5 AGES 81-85	1.71%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 5 AGES 81-85	1.71%
BRONZE	FPIA	GLOBAL ATLANTIC	INCOME 150+ 7 AGES 81-85	2.19%
BRONZE	FPIA	GLOBAL ATLANTIC	FOREINCOME II 7 AGES 81-85	2.19%
BRONZE	FPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 7 AGES 81-85	2.19%
BRONZE	MYGA	AMERICAN NATIONAL (ANICO)	PALLADIUM 10 YEARS (AGES 0-80)	2.19%
GOLD	FA	EQUITRUST	MARKETTEN BONUS â€“ ALL AGES	4.29%
SILVER	LTC	ONEAMERICA	INDEXED ANNUITYCARE 76-85	5.00%
SILVER	FPIA	AMERITAS	INCOME 10 INDEX ANNUITY OPT A AGE 0-80	5.00%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 76-80 QUALIFIED & ROTH IRAS < $25K (LOUISIANA ONLY)	4.92%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 71-75 QUALIFIED & ROTH IRAS < $25K (NOT LA/FL)	4.92%
SILVER	SPIA	SILAC	TETON BONUS 7 â€“ AGE 0-75	4.91%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 0-57 NON-QUALIFIED & QUALIFIED (TEXAS ONLY)	4.70%
SILVER	FA	LINCOLN	LONG-TERM CARE FA 45-74	4.58%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 76-80 NON-QUALIFIED & ROTH IRAS â‰¥ $25K (FLORIDA ONLY)	4.50%
SILVER	SPIA	AMERICAN EQUITY	FLEXSHIELD 10 - AGE 18-75	4.50%
SILVER	FPIA	AMERITAS	ACCUMULATION 7 INDEX ANNUITY OPT A AGE 0-80	4.46%
SILVER	SPIA	COREBRIDGE	ANNUITY POWER 7 PROTECTOR OPTION 1 - AGE 18-80	4.33%
SILVER	FA	COREBRIDGE	ANNUITY POWER 7 PROTECTOR PLUS INCOME OPTION 1 - AGE 50-80	4.33%
SILVER	SPIA	EQUITRUST	MARKETFORCE â€“ ALL AGES; (CALIFORNIA ONLY)	4.29%
SILVER	FPIA	EQUITRUST	MARKETTEN BONUS â€“ ALL AGES	4.29%
SILVER	SPIA	AMERICAN NATIONAL (ANICO)	STRATEGY INDEX 7 YR EIA (AGES 0 - 75)	4.16%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 71-75 QUALIFIED & ROTH IRAS < $25K (FLORIDA ONLY)	4.08%
SILVER	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 76-80 QUALIFIED & ROTH IRAS < $25K (NOT LA/FL)	4.08%
SILVER	FPIA	NATIONAL WESTERN LIFE	IMPACT AGE 0-75 NON-QUALIFIED & ROTH IRAS â‰¥ $25K (CALIFORNIA ONLY)	3.25%
SILVER	FPIA	NATIONAL WESTERN LIFE	IMPACT AGE 0-70 QUALIFIED AND ROTH IRAS < $25K (CALIFORNIA ONLY)	3.25%
SILVER	FPIA	NATIONAL WESTERN LIFE	IMPACT '7S' AGE 0-75 NON-QUALIFIED & ROTH IRAS â‰¥ $25K	3.25%
SILVER	FPIA	NATIONAL WESTERN LIFE	IMPACT '7S' AGE 0-70 QUALIFIED AND ROTH IRAS < $25K	3.25%
SILVER	FPIA	NATIONAL WESTERN LIFE	IMPACT '7' AGE 0-75 NON-QUALIFIED & ROTH IRAS â‰¥ $25K	3.25%
BRONZE	FIA	LINCOLN	LINCOLN OPTIBLEND 7 AGE 0-74	3.75%
BRONZE	SPIA	AMERICAN EQUITY	ESTATESHIELD 9 & 10 - AGE 40-75	3.56%
BRONZE	SPIA	AMERICAN NATIONAL (ANICO)	STRATEGY INDEX 7 YR EIA (AGES 76 - 80)	3.33%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREINCOME II 7 AGES 0-80 & 10 AGES 81-85	3.33%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 10 AGES 81-85	3.33%
BRONZE	FPIA	GLOBAL ATLANTIC	INCOME 150+ 7 AGES 0-80 & 10 AGES 81-85	3.33%
BRONZE	FPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 7 AGES 0-80	3.33%
BRONZE	FPIA	NATIONAL WESTERN LIFE	ULTRA CLASSIC AGE 76-80 QUALIFIED & ROTH IRAS < $25K (FLORIDA ONLY)	3.25%
BRONZE	SPIA	AMERICAN EQUITY	ASSETSHIELD 7 - AGE 18-75	3.25%
BRONZE	SPIA	AMERICAN EQUITY	ASSETSHIELD 5 - AGE 18-75	3.12%
BRONZE	SPIA	GLOBAL ATLANTIC	FORECARE AGES 76-80	2.92%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 5 AGES 0-80	2.81%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREINCOME II 5 AGES 0-80	2.81%
BRONZE	FPIA	GLOBAL ATLANTIC	INCOME 150+ 7 AGES 81-85	2.19%
BRONZE	FPIA	GLOBAL ATLANTIC	FOREINCOME II 7 AGES 81-85	2.19%
BRONZE	FPIA	GLOBAL ATLANTIC	FOREACCUMULATION II 7 AGES 81-85	2.19%
BRONZE	MYGA	AMERICAN NATIONAL (ANICO)	PALLADIUM 7 YEARS (AGES 0-80)	2.03%
BRONZE	MYGA	AMERICAN NATIONAL (ANICO)	PALLADIUM 5 YEARS (AGES 0-80)	1.87%
BRONZE	SPIA	GLOBAL ATLANTIC	FOREINCOME II 5 AGES 81-85	1.71%

These below are verified annunity and life products for NEW YORK only

Tier	Type	Provider	Product	Payout	Excess	Renewals
BRONZE	IUL	AMERICAN NATIONAL INS CO (ANICO)	SIGNATURE & SIGNATURE PLUS IUL (AGES 0-69, 70-85)	74.17%	1%	1%
BRONZE	IUL LB	AMERITAS	Growth IUL	74.17%	1%	1%
BRONZE	Survivor	AMERITAS	Survivorship IUL	74.17%	1%	1%
BRONZE	IUL	AMERITAS	Value Plus IUL	74.17%	1%	1%
BRONZE	IUL	COREBRIDGE LIFE	MAX ACCUMULATOR+ IUL (2019)	67.50%	N/A	1%
BRONZE	IUL	COREBRIDGE LIFE	VALUE+ PROTECTOR IUL	67.50%	N/A	1%
BRONZE	IUL	COREBRIDGE LIFE	PROTECTION EXTEND IUL	37.50%	N/A	1%
BRONZE	UL	AMERITAS	VALUE PLUS UL	74.17%	1%	1%
BRONZE	TERM	AMERITAS	VALUE PLUS 20 AND 30-YR TERM	74.17%	N/A	N/A
BRONZE	TERM	AMERITAS	VALUE PLUS 10 AND 15-YR TERM	72.08%	N/A	N/A
BRONZE	TERM	COREBRIDGE LIFE	AG SELECT-A-TERM 10, 15-19, 20-30, $35 YEAR	67.50%	N/A	N/A
BRONZE	TERM	AMERITAS	VALUE PLUS 1-YR TERM	59.58%	N/A	N/A
BRONZE	Whole Life	AMERITAS	ACCESS WHOLE LIFE	74.17%	N/A	1%
BRONZE	Whole Life	AMERITAS	GROWTH WHOLE LIFE	74.17%	N/A	1%
BRONZE	Whole Life	AMERITAS	VALUE PLUS WHOLE LIFE	74.17%	N/A	1%
BRONZE	Whole Life	AMERICAN NATIONAL INS CO (ANICO)	SIGNATURE WHOLE LIFE (AGES 0-69)	74.17%	N/A	1%
BRONZE	Whole Life	AMERICAN NATIONAL INS CO (ANICO)	SIGNATURE WHOLE LIFE (AGES 70-85)	62.50%	N/A	1%
BRONZE	Whole Life	AMERITAS	10-PAY WHOLE LIFE	50.00%	N/A	1%
BRONZE	EIWL	COREBRIDGE LIFE	AMERICAN ELITE 2	37.50%	N/A	1%
BRONZE	GUL	AMERICAN NATIONAL INS CO (ANICO)	SIGNATURE GUARANTEED UL (AGES 18-69, 70-80)	74.17%	1%	1%
BRONZE	GUL	COREBRIDGE LIFE	SECURE LIFETIME GUL III	67.50%	N/A	1%
BRONZE	FPDA	AMERITAS	COMPASS FPDA OPTION A ISSUE AGE 0-80	5%	N/A	N/A
BRONZE	FPDA	AMERITAS	COMPASS FPDA ISSUE AGE 81-85	3.83%	N/A	N/A
BRONZE	FIA	COREBRIDGE	ASSURED EDGE INCOME BUILDER NY OPTION 1	3.75%	N/A	N/A
BRONZE	FIA	COREBRIDGE	POWER INDEX PREMIER NY OPTION 1	3.75%	N/A	N/A
BRONZE	SPIA	COREBRIDGE	AMERICAN PATHWAY DEFERRED INCOME ANNUITY LIFE PAYOUT OPTION	3%	N/A	N/A
BRONZE	SPIA	COREBRIDGE	AMERICAN PATHWAY DEFERRED INCOME ANNUITY PERIOD #3	3%	N/A	N/A
BRONZE	SPIA	AMERITAS	COMPASS SPIA LIFE CONTINGENT AGE 0-64	2.50%	N/A	N/A
BRONZE	SPIA	AMERITAS	COMPASS SPIA PERIOD CERTAIN ONLY 14+	2.50%	N/A	N/A
BRONZE	SPIA	COREBRIDGE	AMERICAN PATHWAY IMMEDIATE ANNUITY LIFE PAYOUT OPTION	2%	N/A	N/A
BRONZE	SPIA	COREBRIDGE	AMERICAN PATHWAY IMMEDIATE ANNUITY PERIOD #3	2%	N/A	N/A
BRONZE	FA	COREBRIDGE	AMERICAN PATHWAY FIXED 7 ANNUITY	2.50%	N/A	N/A
BRONZE	FA	COREBRIDGE	AMERICAN PATHWAY FIXED 5 ANNUITY	1%	N/A	N/A

Post Address and Mail

Email: [email protected]

Address

Office: 32 Seascape Village Aptos, CA

Get In Touch

Assistance Hours

Mon – Sat 9:00am – 7:00pm

Sunday – CLOSED

Phone Number:

(831) 318-2692

32 Seascape Village, Aptos, CA 95003, USA

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Alpha Bot Training

Errors and Omissions (E&O)

GFI Errors and Omissions (E&O)

All agents with an active license are required to purchase GFI Errors and Omission (E&O) Insurance.

What if I do not have active E&Os?

*** E&O Common issues (READ BEFORE PURCHASE) ***

How do I access my stripe account?

Common signup issues

ICA & Pre-Licensing Refunds

Coding & Promotions

How do I change my email in GFI Connect?

How do I re-access my ICA?

Agent downline transfer.

Inactivity Transfer Policy

Can I merge my code with my spouse's code?

What are requirements to maintain previous contract level in GFI?

Agent code transfers

Co-Leaderships

Advancement Guidelines

Recruiter Code Correction Process

Important Notice:

Steps for newly licensed agent

License setup breakdown by state

Where to find your NPN

To find your NPN has never been easier!

California life and/or health license renewal information

Renewing your California Life and/or Health License has never been easier!

California continuing education information

ExamFX pre-licensing course information

Life and/or health state exam information

About the Life and Health Exam

Life and Health Insurance Basics

Life Insurance Policies

Types of Health and Disability Policies

Policy Provisions, Options, and Riders

Medicare and Medicare Supplements

Tax Considerations for Life and Health Insurance

Applicable state regulations

Does GFI accept agents with restricted licenses?

Contracting

How do you create a SureLC - GFI account?

How to get appointed with Ameritas?

Ameritas Appointment Process

Before You Start

How To Get Appointed

What is the status of my carrier appointments?

Just-In-Time Appointment

How to become appointed with annuity companies

How to become appointed with Corebridge Partners Group (Life)

NLG

Carriers Available

The following is a list of our current Carriers:

SureLC:

Other Annuity Carriers:

Other:

Coming Soon:

Ethos

Missing ETHOS appointment

Ethos reparenting

Ethos appointment

ETHOS

Ethos relationship

About Ethos

Ethos compensation policy

Commissions

Commission's Checkpoint Guide to Solving Common Issues

These are the most common tickets we get, mostly with simple resolutions. Please review them before contacting GFI Commissions via an EMD.

"I didn't get paid at all!"

Missing Commissions / Direct Deposit / E&Os

"I haven't gotten paid on my policy yet!"

Delayed Commissions

"I got a chargeback! Policy is active."

Chargebacks / Client Returned Payment(s)

"Why was I paid as-earned?"

Non-Annualized / Insured & Producer Relationships / Risk

"My policy's commission is incorrect!"

Different Comp Than Expected

IRS Tax Form 1099 - NEC

Why am I missing a direct deposit?

How do I setup my direct deposit?

* E&O Common issues (READ BEFORE PURCHASE) *