Support
Appointment Process
Requirements for Appointment
To begin the contracting process, you must obtain an agreement from either a Managing General Agent or one of our field representatives. The agreement you receive will depend upon the level of your committed production. This section will outline all agreements, how to complete them and other forms necessary for appointment.
Learn more about agent appointmentSystem Requirements for e-App
As long as you can access, send and receive emails from the email account you have provided to us in your insurance application, you will need the following minimum computer hardware and software minimum requirements:
Recommended Browsers:
- Google Chrome
Supported Internet Browsers:
- Microsoft Internet Explorer, Version 9+
- Microsoft Edge Latest Release
- Reduced functionality with Microsoft Internet Explorer, Version B
- Annotations within the application are disabled
- Click-wrap signature support only
- Pie charts within Review Queue are disabled
- Minor visual changes to the user interface
- Mozilla Firefox Latest Release
- Google Chrome Latest Release
- Safari Version Latest Release (the Windows version of Safari is not supported)
- iPad tablet running iOS7+
- Tablets running Android OS 4+
System Requirements:
- Internet Access
- Minimum Screen Resolution 1024×768
- 128MB RAM
- Cookies and JavaScript Enabled
System Access/Logging In
To start an e-App, you must first log in to SalesLink. To log into SalesLink you must be appointed with F&G. Once appointed you will be given a nine-digit agent code. If you do not have this agent code, please contact your IMO or our contracting department. Once you have your code, log in to SalesLink.
The website will request your nine-digit agent ID. The password is originally set as a lower-case ‘s’ followed by your social security number, no dashes or spaces. Ex. s333224444
If you're a returning user and have forgotten your password, or if sXXXXXXXXX is not successful look for ‘Forgot your password?’ and select ‘Click here’ in order to reset it.
NOTE: The User ID is your agent ID with F&G. There is not a function for a forgotten user ID.
If you encounter any errors or if you still need assistance logging in feel free to contact the sales support helpline at 800-445-6758. They will be happy to reset any passwords.
NOTE: If your ID or password is entered incorrectly five times, your account will be temporarily locked out. If you are locked out three consecutive times you are required to contact SalesLink Support at SalesLinkHelpDesk@fglife.com.
Once logged in you should see a page like this:
You may need to reenter the agent ID number under the 'Find an Agent' option to get to the SalesLink main page.
Upline View of e-App
If you have downline agents, you have the ability to view all of the activity of your downline agents on our e-App platform.
- Log into SalesLink using IMO/upline number. Click on F&G Annuity e-App.
- After confirming the correct agent ID, click NEXT.
- Once logged in, click on All Applications.
- Click on the icon showing blue and green figures in the top left-hand corner, this is the “owner” icon.
- Choose either “All Owners” to see all downline business, or select a specific agent name/agent code to see only that individual’s e-Apps.
- A list will be presented of all e-App activity including saved or submitted applications.
Status Key:
- Complete = All sections complete and application submitted to FGL
- Form Entry = Data entry on application is not complete; Application is not signed or submitted
- Signatures = Data entry on application is complete, and signatures have been requested but not completed; Application has not been submitted
- Locked = Data entry on application is complete and the process of collecting signatures has been initiated but not completed; Application has not been submitted
Suitability Criteria
We know you share our commitment to good sales practices when selling annuity products. An important regulatory requirement that must be followed is to recommend purchasing an annuity to a client only if there are reasonable grounds for believing the annuity is suitable.
We encourage you to familiarize yourself with the following information and key documents at the end of this section to better understand our program and help ensure that your clients' applications get processed as quickly as possible. These vital documents are also available on SalesLink®
Why is suitability so important?
In selling annuity products, it is important that agents assist clients in determining which products are appropriate for their financial situation based on financial needs and objectives as disclosed by the client during the sales process. It is also very important that agents give clients the information necessary to make well-informed decisions relating to the purchase of an annuity. These two pillars of good sales conduct – understanding your customer’s needs and objectives and providing full disclosure - are not only requirements of the law, but they are also dictated by our company’s code of ethical conduct to ensure we are always acting in a manner consistent with our clients’ interests.
How exactly does your electronic review process work?
All applications submitted through the electronic platform are reviewed to determine whether they meet our minimum criteria. Generally, our minimum criteria include:
- Remaining liquid assets (after the purchase of the annuity) of at least $20,000;
- Remaining liquid assets (after the purchase of the annuity) of at least six months of Approximate Monthly Household Expenses if employed or retired and twelve months of Approximate Monthly Household Expenses if unemployed;
- Approximate Monthly Household Income of at least $1500 (exceptions made for applicants with significant remaining liquid assets);
- Monthly Disposable Income of at least 10% of Approximate Monthly Household Income (exceptions made for applicants with significant remaining liquid assets);
- Surrender charges no greater than 3% on replaced annuities for applicants aged 65 or over;
- Annuities funded out of liquid assets not greater than 50% of Total Liquid Assets for applicants aged 65 or over (exceptions made for applicants with significant remaining liquid assets);
- Annuities funded out of liquid assets not greater than 75% of Total Liquid Assets for applicants under age 65 (exceptions made for applicants with significant remaining liquid assets);
- Applicant may not reside in a nursing home or Assisted Living Facility;
- Applicant may not have a reverse mortgage – regardless of whether the reverse mortgage is a source of funding for the annuity;
- Applicant may not have an Aggressive Risk Tolerance if the annuity represents a significant percentage of Total Net Worth;
- Reasons for purchasing the annuity may not be to qualify for government programs, Medicaid or VA benefits;
- Anticipated distributions may not be within the surrender charge period unless distributions are surrender charge free;
- Applicant must not anticipate adverse changes in assets, expenses or income during the surrender charge period;
- Applicant must indicate remaining liquid assets are adequate to handle emergencies;
- In cases of replacement, prior replacements within the prior 36 months (60 months for California or Minnesota applications) may not involve the same agent and same funds.
Applications not meeting these criteria will usually be declined. We purposely share the above criteria with you so you know in advance about our minimum standards and can use them in deciding whether an application should be submitted to our company.
Applications that meet these criteria may be put through an additional screen to determine whether the information on the Suitability Acknowledgement Form raises any other suitability concerns that may require follow up with you or your client.
What happens if an application is denied for suitability reasons?
If it is necessary for the company to decline an application because we do not find reasonable grounds to determine the recommendation was suitable, then you will be informed of our decision to decline the application to avoid any surprise and allow you to discuss the matter further with your client.
Keep in mind that our declination of an application for suitability reasons does not mean the recommendation was necessarily unsuitable. It only means the information supplied by you and your client, from the company’s perspective, does not adequately establish reasonable grounds for believing the annuity is suitable.
Where can I download forms?
Please view the pdfs below for additional information:
Suitability Acknowledgment Form (ADMIN 5463) Suitability Instructions and Definitions (ADMIN 5542) F&G Market Conduct Guide (ADMIN 5516) Agent Suitability Guide (ADMIN 5627) FL Annuity Suitability Questionnaire (ADMIN 5603) Annuity Suitability Questionnaire - FL Supplement (ADMIN 5671)Contact Us
Have additional questions? Visit our agent portal SalesLink for other training resources.
You can also contact us directly at 800.445.6758 (Option 1) from 7 a.m. to 5 p.m. or via email.
Email us at casemanager@fglife.comWiki Help Page
What is a Wiki?
A Wiki is a web application that allows collaborative modification of its content and structure. We have taken our support documents for the annuity e-applications and posted them into this one collaborative platform.
Do I need to sign up for an account to use the F&G Wiki?
No, anyone with a web browser and Internet connection can access information in this Wiki. Some links on the Wiki site will require SalesLink access to view additional content.
What if I have a question that is not answered here?
You can contact us at the following number for additional assistance:
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1-800-445-6758 - Option 1, Option 1 for new business, application submission and general illustration questions from 7 a.m. to 6 p.m. CT
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Questions related to pending new business and application submissions can also be emailed.
Send an email to casemanager@fglife.com
