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Carriers & Underwriting

Here is your Carriers & Underwriting Checklist:

☐ E&O Coverage

☐ Virtual Mentor

☐ Mobile Access! & Bookmark Mobile Page

☐ Core Carriers and Underwriting Terminology

☐ Mutual of Omaha (MOO)

☐ United Home Life (UHL)

☐ American Amicable (AmAm)

☐ Americo



Errors and Omissions (E&O) Coverage

Everyone always asks, “Do I need E&O Coverage?” and the simple answer is, “Not Yet.” 

Our Core Carriers and Core Products for Mortgage Protection and Final Expense do not require it. If you start writing Annuities or other Product Concepts, you will need to have it, but to get started, you do not!

We suggest getting started with our Core Products, and when you are ready, purchase your E&O from the Symmetry recommended program HERE (link to: 


Virtual Mentor:

***This is your GO TO Resource!***

BOOKMARK the Virtual Mentor Website on your phone/laptop/iPad and use to see what Carrier/Product your Client will qualify for.

Step 1: Register

Click on “create account”> Choose “sales agent” under type of agent> Select your most direct Agency Owner

Step 2: Text your Agency Owner – Let them know you set up your account so it can be approved.

Step 3: Watch Tutorial Video

USE THIS RESOURCE!  Virtual Mentor will take 95% of the guess work out of the underwriting qualification process!

This said, NOTHING replaces calling a Carrier to do a Risk Assessment or ask Underwriting Questions (i.e. multiple high risk medications)

Mobile Access:


For quick access to Online Mobile Quotes and ALL Carrier Phone Numbers!
Dial directly from your phone or Tablet!

(In Firefox browser push the “Star” button next to the clipboard icon above to bookmark the page)

The Core Carriers:

Keep It Simplified! Simplified Issue is coverage that does not require a lengthy/invasive physical exam (the underwriting is “simple”), it has living benefits, and it issues quickly!

Get To Know and Write These Carriers:
1- MOO- Mutual of Omaha (Term, Accidental, Critical Illness, Disability, and Final Expense)
2- UHL- United Home Life (Whole Life and Term)
3- AmAm- American Amicable (Term and Final Expense)
4- Americo- Eagle Premier (Final Expense product)

Your Clients will get fantastic coverage, you will earn top commissions and get paid quickly!

Use this handy guide (link to “Carrier Applications to Have” pdf) to print off all the apps you will need as well as this list of important Underwriting Terminology (link to “Underwriting Terminology” pdf) you will need to know!

Mutual of Omaha- MOO:
Agent Support: (800) 775-7896
Phone Interviews (PHI): 1-800-775-3000
Business Hours: Mon-Fri 7:30-5:30 CST
Pre-appointment States: PA, MT
States where a license is required in order to receive override commissions:
*Note: Agents selling stand alone AD (Accidental), DI (Disability), or CI (Critical Illness) must have a Health License

Apps to Print (Be sure and have 1-2 on hand at all times!):
Register for iPipeline at to print out paper applications
(once contracted, call to order supplies):
–use United of Omaha for Life products
–use Mutual of Omaha for Health Products
☐ ***Term Life Express (TLE) and Product/Underwriting Guide
☐ ***Guaranteed Advantage Accidental Life (GAD) and Product Guide/Rate Sheet
☐ ***Living Promise Final Expense and Product Guide
***Be sure and have these printed for your first week in the business!
Priority Income Protector Disability (PIP) and Agent Guide/Product Guide
Critical Illness and Product/Agent Guide

Winflex Illustration Software
MOO has phenomenal Tech support! If issues arise with the Winflex Software when you first download it, call and ask for Tech support
and they will get you up and going in no time!

Helpful videos:
1- Downloading Software
2- Using Software
3- Understanding a TLE (Term Life Express) Application
4- Eapp- TLE (Term Life Express) Application

United Home Life- UHL:
Phone: (800) 428-3001
Business Hours: Mon-Fri 8am-4:30pm CST
Phone Interviews (PHI): 866-333-6557
Pre-Appointment States: GA, LA, KS, NM, PA, TX

Apps to Print (have 1-2 on hand at all times!)
Print apps using iPipeline at
-Once contracted, call carrier to have them send you application kits for your state
☐ ***Whole Life/Final Expense and Agent Guide
☐ ***Term Life Application and Agent Guide
***Be sure and have these apps for your first week in the field!
Protector AD (Accidental) – check for state availability – no health license required
Provider Whole Life and Agent Guide

Videos in this player:
1- Software Usage

2- Using Express Issue Whole Life Application
3- Using Term
Life Application
4- Eapp Express Issue Whole Life Application

While you always want to reference the online software for current rates, here is a Rate Sheet pdf to keep on hand if you are in a pickle 🙂

American Amicable- AmAm:
Phone: (800) 736-7311
Business Hours: Mon-Fri 8am-5pm CST
Phone Interviews (PHI): Call EMSI at 866-719-2024
EMSI is available for phone interviews during these hours: Monday-Friday 8am-9pm CST, Saturday 10am-2pm CST
Pre-Appointment States: PA
Agents selling in IA, MA, MI, NJ, RI, & VT must contract under Occidental Life
States where a license is required to receive override commissions: MT, MN, VA

Applications to Print (have 1-2 of these on hand at all times!):
Print Apps from – apps not on iPipeline
-Once contracted, order application kits from
☐ ***Home Certainty and Agent Guide
☐ ***Express Term and Agent Guide/Product Guide
☐ ***Dignity Solutions Final Expense and Agent Guide
***Be sure and have these apps available for your first week in the field!
Easy UL
Security Protector Accidental and Product Guide – check for state availability – no health license required

Quoting Software Download
You MUST use Internet Explorer to download this software from the Symmetry website. After you download the software, you can use Firefox to operate the software (you do NOT need to be online to utilize the software, it simply uses the web browser as if you are on the website)

Videos in this player:
1- Downloading Software
2- Eapp- Home Certainty (Term)
3- Home Certainty (Term) Paper Application
4-Dignity Solutions (Whole Life) Paper Application

(The software is fairly straight forward for each product and shouldn’t need explanation. AmAm has training on their site once you are appointed with them to explain how to use the software)

Phone (800) 231-0801
Business Hours: Mon – Fri 8am – 5pm CST

Applications to Print:
Eagle Premier Final Expense Instant Decision only uses a tele-app or an eapp.  Use the attached Worksheet (link to Eagle Premier Worksheet), Agent Guide (link to PDF), and Rate Sheet (link to Americo PAC) to pre-qualify your client before applying. *Note, non-smoker rates apply for all candidates for first 3 years of policy regardless of tobacco history!

Quoting Software:
Use the Mobile Quoting tool or visit for software download instructions