Items To Have Prepared For Your Application Meeting

Personal Policies

• Basic information about you
  • Name and date of birth
  • Contact information – mailing address, phone number and  email address
  • SSN, state driver’s license or state ID number, and expiry date
  • Employment information
    • Employer name and address (city, state, ZIP)
    • Type of business
    • Nature of occupation
  • Place of birth and U.S. citizenship/immigration status
    • If permanent resident, provide copy of green card
    • If here on a visa, provide visa details and copy of permit

• Beneficiaries
  • Primary and contingent beneficiaries

• Financial Information 
  • Annual earned income and other income sources
  • Assets and liabilities
  • Bankruptcy history – date filed, chapter, date discharged

• Lifestyle Information
  • Extended travel plans (if applicable)
  • Hazardous avocations or extreme sports
  • Driving history – DUIs, DWIs, reckless driving, license suspensions
  • Alcohol and drug use
  • Smoker status

• Insurance History
  • Policy number, issue date, company, and benefit amount
  • Details of any postponements, declines, ratings, restrictions, or modifications
  • Pending applications with another carrier

•  Health Information (if required)
  • Height and weight
  • Primary care physician’s name, contact info, and details about most recent visit
  • Family health history (parents and siblings) – diagnosis, age of onset, current age or age at death
  • Details about illnesses: diagnosis, symptoms, tests, surgeries, medications

Corporate Policies

• Personal Information – see Personal Policies

• Business Information
  • Legal name of the business and nature of business
  • Employer Identification Number (EIN)
  • Business contact information
  • Beneficial ownership details and percentage of ownership
  • Business financials:
    • Assets and liabilities
    • Fair market value
    • Net profit last year and previous year
  • Insurance information (if any)
  • Copies of Articles of Incorporation/Organization and business registration

Juvenile Policies (Life Insured is under age 18, or under the state’s age of majority)

• Owner (usually parent or guardian)
  • Name and date of birth
  • Contact information – mailing address, phone number, and email address
  • SSN, driver’s license/state ID and expiry date
  • Employment information
  • Citizenship/immigration status

• Juvenile Insured
  • Name and date of birth
  • Place of birth and U.S. citizenship/immigration status
  • Gross earned income (if any) and insurance coverage on both parents
  • Insurance coverage on siblings
    
• Lifestyle Information
  • Extended travel plans (if applicable)
  • Hazardous avocations or extreme sports
  • Driving history (if applicable for older teens)
  • Alcohol and drug use (if applicable)
  • Smoker status (if applicable)

• Insurance History
  • Policy number, issue date, company, and benefit amount
  • Details of any postponements, declines, ratings, restrictions, or modifications
  • Pending applications with another carrier

Fixed Annuity

• Basic information about you
  • Name and date of birth
  • Contact information – mailing address, phone number, and email address
  • SSN, driver’s license/state ID number, and expiry date
  • Employment information
  • Nature of occupation