It is imperitive that you follow the business processing instruction for the carrier you plan to submit business for. Your business cannot be processed if the instructions are not followed!

The process for submitting business is different for each carrier. Each time you submit a life insurance case, carefully follow the processing instructions.

To ensure our agents have the most up-to-date applications and forms, be sure to print state applications for writing business from the HBW website each time a new case is submitted.

Always retain copies of all documents that you submit.