welcome to crump life insurance...

Welcome to Crump Life Insurance Services!

Offering you a world of insurance solutions and world-class service

Welcome to Crump Life Insurance Services - the industry’s leading insurance outsourcing organization. Our goal is to provide you with world-class service and a world of insurance solutions to help you meet your client’s needs.

The Transamerica Agency Network (TAN)/Crump relationship offers you access to a complete life insurance solution for your practice. From access to top industry products, dedicated sales and case management contacts, and an industry-leading web site, TAN/Crump is your full service program that will help provide support for your cases from start to finish including case design, contracting, case processing, underwriting and much more!

This guide provides an overview of working with TAN/Crump and includes information on our services, tools, and solutions including:

Sales & Sales Support

Underwriting & Impaired Risk Support

Case Submission & Application Processing

The Crump Product Solution Centers & Available Carriers

Web Site Tools & Resources

InsureNOW

Contact Directory

TANCRP 0217FOR PRODUCER USE ONLY - not intended for use in solicitation of sales to the public. Products offered

through Crump are not approved for use in all states and may not be available to all producers. 02.17 NACC17-6255-A-29 11.17 © 2017 Crump Life Insurance Services, Inc.



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SALES AND SALES SUPPORTYour TAN/Crump Sales Wholesaler: Your dedicated sales wholesalers are available to assist you with how to best use the program and in designing your more complex cases. Your wholesaler is your “roadmap” to the TAN/Crump program.

Pre-Sale Support: Your TAN/Crump sales support teams will provide sales illustrations and comprehensive sales support on all of your fixed annuity, life, disability, and linked-benefits long term care insurance business with TAN/Crump. Providing dedicated support, our sales support team will handle a full range of case design scenarios, including side by side product comparisons, product information, and forms needed to write the business, as well as provide assistance on your more complex cases that require detailed illustrations and carrier/product research.

UNDERWRITING AND IMPAIRED RISK SUPPORTCrump’s expertise in the impaired risk marketplace means the best solutions for you and clients. Using our TimeSaver™ preliminary inquiry, our underwriters work closely with our carriers to find the most aggressive offer for clients. Your wholesaler and the TAN/Crump underwriting team are both available to assist you - additionally, you’ll find helpful information and tools on the Underwriting section of the TAN/Crump site, including:

• Reference library offering overviews of impairments and questionnaires• Ask Underwriting form, which enables you to submit basic case information to our underwriters • Links to carrier underwriting guidelines and build charts• Tip sheets and guides to help you and your client through the underwriting processes such as

inspection reports and paramed exams

SUBMITTING CASES/APPLICATION PROCESSINGAll applications should be sent to the TAN/Crump team for processing. Please submit the completed applications, associated forms/disclosures, supporting documents and any premium remitted to:

TAN/Crump New Business TeamCrump Life Insurance Services280 South 400 West Suite #100Salt Lake City, UT 84101-1101

For all case submissions, in order to minimize delays, please ensure that the following items are accomplished when the application is taken:• Verify that your carrier contracting is complete.• Complete all questions on the application.• Provide details to any questions answered “yes” on the application.• Make sure application and all accompanying forms have been signed. The application must be signed

and dated by the proposed insured, policyowner (if trust, then trustees should sign), and the agent.• Include NAIC compliant illustrations and/or disclosure forms (signed by the

policyowner) with the application.• Order exam requirements through a carrier approved medical examiner.

ORsubmit electronically through “Upload” found under Tools > ContractNOW on the TAN/Crump web site



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New Business ProcessingThe Client Services team tracks all applications and related premiums. Upon receipt, all applications are immediately assigned to a case manager for processing and tracking. Your TAN/Crump case manager inputs client’s information/data and begins the preliminary underwriting process (the same day). For all cases, a confirmation letter stating that the case was received along with the requirements received/ordered will be emailed to you.

As your TAN/Crump case manager tracks your pending applications through policy issue, you will be kept informed of the progress through Pending Status Reports sent by e-mail. We encourage you to check your case status through your Crump web site. After the application has been approved, your TAN/Crump case manager will continue to track the case until the delivery requirements are received. From there, your TAN/Crump case manager will confirm with the carrier that the client’s policy is “in-force” and work with the carrier on the release of the compensation. Forms and DocumentsYou can find the forms you need through the comprehensive Forms tool on your TAN/Crump web site. Applications should be completed with any required replacement forms, 1035 Exchange forms, HIV forms, disclosure forms, and avocation questionnaires.

Insurance Carrier Contracting and AppointmentsMany insurance companies have a adopted a “Just in Time” appointment approach whereby they require the submission of a new business application prior to appointing an agent. Some insurance companies do require an appointment be in place prior to solicitation of an application or what is referred to as a “restricted state” and information on those can be found in Tools>Pre-Appointments on the TAN/Crump web site.

A current life insurance license in the state(s) in which you wish to do business is required prior to solicitation of an application. Many states require continuing education requirements for the sale of long term care and annuity products prior to solicitation as well.

Please use the ContractNOW e-appointment tool found in the Tools section of the TAN/Crump web site for fastest service.

CommissionsCommissions will be paid to you via Transamerica Agency Network.



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CRUMP PRODUCT SOLUTION CENTERS & AVAILABLE CARRIERSTAN/Crump is your one stop shop for insurance. We work with top carriers in the industry to provide you with . Our competitive list of carriers include:

LIFEAllianz Life Insurance Company of North AmericaAmerican GeneralAmerican NationalAXA EquitableColumbian LifeGerber Life Insurance CompanyGlobal Atlantic Financial GroupJohn Hancock USALegal & General (including Banner)Lincoln Financial MetLife InvestorsMutual of Omaha/United of OmahaNationwideNorth American Company for Life & HealthPrincipal Financial GroupProtective Life Insurance Company (includes West Coast Life)Prudential FinancialSymetraVoya ReliaStar Life Insurance Company

ANNUITYAllianz Life Insurance Company of North AmericaAmerican GeneralAmerican NationalAtheneDelaware LifeGlobal Atlantic Financial GroupGreat AmericanLincoln FinancialNationwide AnnexusNorth American Company for Life & HealthPenn Mutual Life Insurance CompanyProtective Life Insurance CompanySymetraThe Standard Voya USA Annuity & Life Insurance Co.

DI Assurity LifeFidelity Security LifeGuardianIllinois MutualLloyd’s of LondonMutual of OmahaPrincipalThe Standard

LTC LINKED BENEFITSLincoln FinancialNationwideOneAmerica



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The TAN/Crump web site is one of the most comprehensive sites in the industry and puts valuable tools and resources at your fingertips!

The News You NeedThe Latest News section and central banner alert you to important industry information and carrier and product news as well as updates from Crump.

StatusThe Case Status tool allows you to track your cases and get up-to-the-minute status anytime you need it. Additional links provide status on your licensing and appointments.

Illustrations & Comparisons• Term Comparisons• Quote Now (Online compliant carrier

illustrations)• Illustration Request Form

Carrier FormsFormsNow, our exclusive forms delivery system, provides access to over 9,000 forms for our major carriers instantly. You can also email the required forms for a case directly to your customers in seconds.

Solution CentersEasy to access Solution Center sections provide all the online sales tools you need for our various product lines:• Life• Annuities• Long Term Care Linked Benefits• Disability• Advanced Sales

YOUR CRUMP WEB SITE



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InsureNOW is our online transaction center designed to accelerate your insurance business processing, allowing you more time to sell. InsureNOW includes Upload, where you can submit your files electronically to Crump’s application processing team in order to expedite your cases.

INSURENOWELECTRONIC SOLUTIONS FOR PROCESSING INSURANCE

A new electronic multi-carrier solution to streamline your appointment requests.*

• Paper-free submissions eliminate the hassle of completing extensive paperwork for every carrier • Connectivity with the National Insurance Producer Registry (NIPR) pre-fills much of your information • Cases with new carriers may be processed in a fraction of the traditional time

+ Based on average case timeframe; specific results may vary.◊ Also available for some Permanent and Disability applications. * Check with your Crump Sales Manager for availability.

AppNOW Full-Service (formerly Life Solutions) is an online insurance application fulfillment process. By performing this service, neither Crump nor its service provider(s) act in the capacity of the writing agent. It is the responsibility of the writing agent to perform suitability review and ensure that the plan and the amount of insurance being recommended for the proposed insured is suitable in view of the owner’s insurance needs and financial objectives.

Use of AppNOW Self-Service (iGO e-App) is subject to iPipeline’s terms and conditions. Crump makes no representations or warranties concerning the performance of the iGO e-App system, nor that the system or any associated services will be uninterrupted, without omissions, or error free.

Use of ContractNOW is subject to Sircon Corporation, d/b/a Vertafore Producer Lifecycle Management (“Vertafore PLM”) terms and conditions. Crump makes no representations or warranties concerning the performance of the ContractNOW system, nor that the system or any associated services will be uninterrupted, without omissions, or error free.

Electronic applications with full-service and self-service options.

AppNOWOrder Tele-App (formerly Life Solutions)

Let us complete the app for you — the Service Provider interviews the client, schedules the medical exam, obtains the signed application forms, and orders the initial APS. Benefits include:

• Expanded risk calculator for more precise quoting• Fewer appointments to schedule• More time to focus on larger, higher-paying premium cases• Reduce paper and produce 100% in Good Order application submissions• Transact on the go with mobile device compatibility• Cases typically process 15 days faster+

• View real-time status, 24/7• Earn the same comp as a paper application, only faster

Complete e-App

Work smarter with intelligent fillable e-Apps — enter your client’s information and let the wizard screens walk you through the process.* Benefits include:

• Access to over 15 e-Apps from leading term insurance carriers◊

• An intelligent fillable form with e-Signature and e-Submission• Flexibility to interview your client and order the medical requirements on your own• Reduce paper and produce 100% in Good Order application submissions• Cases typically process 15 days faster+

• Earn the same comp as a paper application, only faster

FULL -SERVICE

SELF -SERVICE

Get started with InsureNOW today by selecting the InsureNOW button on the home page of the TAN/Crump website.

ContractNOW



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YOUR TAN/CRUMP TEAM: CONTACT DIRECTORY

ANNUITY SOLUTION CENTER Beverly Sillari 860.321.3102 External Annuity Wholesaler

Forrest Millheim 801.322.7508 Internal Annuity Wholesaler

LONG TERM CARE SOLUTION CENTER (INCLUDING LINKED BENEFIT PRODUCTS) Edward Stone 317.903.9792 External LTC Wholesaler

Susan Weiland 410.559.2494 Internal LTC Wholesaler

DISABILITY SOLUTION CENTER Greg Marquardt 484.870.6781 External Disability Wholesaler

Trevor Alger 425.201.7730 Internal Disability Wholesaler

YOUR CRUMP SALES TEAM Jason Bazzone 717.736.8046 Internal Wholesaler, Pre-Sale and Life

LIFE INSURANCE PRE-SALE SUPPORT & INITIAL SET UP [email protected] 866.493.5073(forms, product information & illustrations)

LIFE INSURANCE CASE MANAGEMENTJessica Goss, Supervisor 717.736.7927

CARRIER APPOINTMENTS & [email protected] Fax 717.703.4702

TAN/Crump Toll-free line: 877.502.3062PRESS 3, then select from the following options:

Press 1 All pre-sale support and life products sales

Press 2 Status and information for pending life insurance cases

Press 3 Carrier Appointments and Contracting Team

Press 4 Fixed Annuity Solution Center

Press 5 Long Term Care Solution Center

Press 6 Disability Solution Center

Email: [email protected]

COMMISSIONSFor additional commission information, please contact Transamerica Agency Network agent services. Crump will pay all commissions directly to Transamerica Agency Network.