heritage builder annuity -...

HERITAGE BUILDER ANNUITY

E-APPLICATION GUIDE

TABLE OF CONTENTS

HERITAGE BUILDER MYGA

HOME OFFICE INFORMATION ........................................... 1Contact InformationHome Office HoursDepartment InformationHelpful E-App Tips

HOW TO START AN E-APP ...........................................................2

NAVIGATING THE SYSTEM ..........................................................4

E-SIGNATURES ..............................................................................6

SUBMITTING AN APPLICATION ...................................................9

PRINTING THE APPLICATION ....................................................10

VIEW APPLICATION HISTORY ....................................................11

03-27-2020 FOR AGENT INFORMATION ONLY. NOT INTENDED FOR SOLICITATION OR ADVERTISING TO THE PUBLIC.

HOME OFFICE CONTACT INFORMATION

Phone: Email: Website:

800.422.2011 [email protected] www.InvestorsHeritage.com

Mailing Address: Physical Address: Home Offi ce Hours:

PO Box 717 200 Capital Avenue 8:00 AM - 4:30 PM (Eastern)Frankfort KY 40602-0717 Frankfort KY 40601 Monday - Friday

e-app guide for heritage builder annuity

Agency Licensing & Supplies Ext. 4130 [email protected] Fax: 502.875.7084

Commissions Ext. 4128 [email protected] Fax: 502.875.7084

Policy Services Ext. 5600 [email protected] Fax: 502.791.8374

Premium Accounting Ext. 4127 [email protected] Fax: 502.875.7084

New Business Ext. 4129 [email protected] 502.227.7205

Claims Ext. 4126 [email protected] Fax: 502.223.6575

DEPARTMENT INFORMATION

The E-App is optimized for use on computer-based web browsers, iPad and Android tablets. It is NOT optimized for use on smartphones.

A valid email address is required for electronic signatures. If the client does not have an email address, the producer’s email address may be used.

Investors Heritage will not receive the application until all required signatures have been captured and the application is successfully submitted by the producer.

Applications are kept and available to view and print on the Firelight platform for 120 days.

Transfers:

a. Some companies require their own paperwork be completed for a transfer. If this is the case, the IH transfer form is not required. On page 1 of the application, choose “Agent or Applicant to originate” under the 1035 Exchange/Rollover/Transfer option.

b. Some companies may require “wet” or “medallion singatures”. If this is the case choose, “IH to originate” on page 1 of the application and “Carrier Initiated” on the Funding Page that follows the application. On the signature page of the transfer form, check the box that asks if a wet signature is required. Checking this box will disable the transfer form from the signing ceremony. Transfers requiring wet or medallion signatures must be mailed to our New Business address. IH will not be able to initiate the transfer until the original transfer form is received.

HELPFUL TIPS


HOW TO START AN E-APP


Sign in to or create an account for the Investors Heritage Agent Portal at www.investorsheritage.com. 1

2 Choose E-App from the menu on the left.

Choose Heritage Builder MYGA. 3

You will be taken to the E-Application site hosted by Firelight.

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HOW TO START AN E-APP


Click Application under Start New. 4

5 Click Select Jurisdiction down arrow and choose State of Sale from the list.

The state appropriate application and other required forms will display below. You can choose to add the Annuity Distribution Request to your package if needed. The Annuity Distribution Request Form should be used if you wish to set up reoccurring interest payments beginning 31 days from the issue date or reoccurring RMD payments beginning 6 months from the issue date. Please note reoccurring RMD payments are not currently available for Inherited IRAs.

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Click Create.7

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Name the application and click Create.8

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NAVIGATING THE SYSTEM


The e-application is designed to be easy to use and to ensure in good order application submission.

The application view is the same as the paper format of the application.

Complete fields just as you would for a paper application.

Required fields are highlighted in red. Required fields will change according to choices made on the application. (If you choose “yes” to “Will this policy have a Joint Owner”, the Joint Owner fields become required.)

To assist you, some fields will auto-populate with information provided in previous fields. For example, if you choose Joint Owner, the Joint Owner’s Mailing Address will auto-fill with the information provided for the Owner/Annuitant. This can be changed if they have different addresses.

The system will auto format numbers as required - Social Security Numbers, DOB’s, Phone Numbers and dollar amounts should all be entered without any dashes or other symbols.

Applications can be saved by clicking Save in the top menu. 1

2 Your progress on each form shows in the Status Bar at the top of the

To move between form pages, use the double arrows on either side of the form. 4

To view which required field have not been completed, click the red call-out icon in top right corner.3

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NAVIGATING THE SYSTEM


Click Open, just below Data Entry progress bar, to view a list of all forms to be completed. Any form that is missing required data will be listed in red.

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6 Additional documents can be uploaded and submitted with the application package (ex. copy of government issued ID). Selet Other Actions from top menu. Then choose Documents.

Additional Document Upload. The platform provides sever Document Type choices: Illustration, Medical Exam Part 2, Annuity Intelligence Report and Other. Choose OTHER for ALL Heritage Builder uploads. Click Choose File, locate and select the file from your computer. Click Upload. All uploads must be in PDF format and no larger than 20 MB.

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E-SIGNATURES


To prevent NIGO submissions, signatures are not allowed until all forms are 100% complete.

When all required fields are complete, the Data Entry Requirements message will appear. Choose CONTINUE to proceed to the signature fields.

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2 Select Use E-Signature to start the signing process. (Reminder: A valid email address is required for e-signature.)

Choose from the list of Required Signatures. Then choose Sign Now. 3

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E-SIGNATURES


You must verify the identity of the applicant and enter the required information. 4

5Each document in the list must be reviewed with the client. Click a document, review with client and then, with their consent, mark “I have reviewed and agree with the terms expressed within this document” box at the bottom of the list. Continue for each document.

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E-SIGNATURES


6 Complete the Signer’s Full Name and City in the appropriate fields. The name will auto-populate in the signature field.

If the name needs to be changed, the signer must use the mouse to “write” their signature. Click I consent. Then repeat process for all other required signers.

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SUBMITTING AN APPLICATION


After collecting all required signatures, click Continue in top right corner. 1

2 A Confirmation Dialog box will appear. Click Yes to submit.

You will then receive a message confirming successful submission. 3

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PRINT THE APPLICATION PACKAGE


From the top menu, choose Other Actions. Choose Display/Print PDF from drop-down menu.1

2 A list of documents to print will appear. You can select or unselect any forms to include. Then choose Print Selected Documents.

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VIEW APPLICATION HISTORY


From the home screen, choose All Activities from top menu. 1

2 A list of all applications submitted during the month will be displayed.

3 Viewing preferences can be changed to: current week, month, quarter, year to date or all.

4 Use the search bar in top right corner to search for a specific application.

APPLICATIONS ARE STORED AND AVAILABLE TO VIEW AND PRINT FOR 120 DAYS.

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Investors Heritage has operated since 1960 with the idea that people deserve respect, loyalty, and follow-through. As a result, we’ve offered the highest level of personable service paired with new technologies and new products to bring peace of mind, comfort, and dependability to our customers. It was a simple idea and the right idea that has stood the test of time.

InvestorsHeritage.com 800.422.2011 PO Box 717 200 Capital Avenue Frankfort KY 40602