How to Contract for a Life Insurance Company

February 10, 2020

The Just-in-Time Process

Getting contracted is the first step in submitting business with an insurance carrier. The team at Pinnacle Financial Services can help simplify this process for you. A lot of agents think they need to be contracted with a company first before they can submit business. However, the insurance industry as of late has been moving towards the “just-in-time” process.

What is just-in-time? It is a process where the insurance carrier takes your contracting paperwork, but does not file your appointment with the state until the first piece of business is written and submitted. It has been introduced lately to save the carrier time in appointing those who never submit any business. The previous pattern involved agents becoming contracted with a carrier, never submitting business, and then terminated due to lack of production. Then the cycle would restart as they would be ask to be re-appointed, only to repeat the process all over again.  This not only wastes time but also money, and the carriers don’t want to do this dance anymore.

Some of the carriers Pinnacle has partnered with that utilize the just-in-time appointment process are:

For help with your appointment process, reach out to one of Pinnacle’s knowledgeable sales directors. They can provide you with all of the information needed to become appointed and submit business. The team can also scrub and process your business to make sure it is issued within a timely manner.

For more information, contact a Pinnacle Representative today at 1-(800)-772-6881 x6003 or email lifesales@pfsinsurance.com.

Warren Readinger

Warren Readinger

Director of Sales - Life & Final Expense

1 (800) 772-6881 x7794

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881


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