e-App FAQ

Do I need to be appointed with F&G to submit an annuity e-App?

Yes, in order to submit an annuity e-App you must have an active annuity contract with F&G and the appropriate state appointments completed.

Can I still do a paper application?

Yes. The e-App is intended to make applications easier and decrease work. They also are able to be processed quicker, but a paper application can still be sent in.

NOTE: MYGAS have to be created as an eApp but can be printed to complete via paper. New York is required to be paper only and will not be in the eApp.

Is the e-Application secure?

Yes. As long as the device you are using is secure, the transmission is encrypted and sent securely.

How long will filling out the application take?

Depending on what information you have already discussed with the client the time it takes can vary from 20 minutes to multiple days to acquire all the needed information. For a standard application after an initial overview of the product, expect at least an hour to ensure all forms are able to be properly reviewed.

Can I take/solicit the e-App over the telephone?

No. As is the current standard for all F&G annuity applications, the e-App is an in-person application. As part of the agent contract, agents are required to meet with clients in person. In order to assess the suitability of the client and ensure the client understands all aspects of the policy, he/she is purchasing. It is also required that the agent verify a valid photo identification, in person, for each individual on the application due to the U.S. Patriot Act. The F&G e-App platform does allow the client to complete the signatures at a later time, after meeting with the agent, to complete the application. This feature is not to be used in place of an in-person meeting with the client, it is to be used in conjunction with an in-person meeting with the client.

NOTE: Video conferencing is treated similarly to in person but requires a copy of the clients ID to be uploaded with the eApp. In person does not require a copy be sent with the eApp but the agent is still responsible for verifying a valid photo ID.

Does my client need an email address to apply using e-App?

Yes. If your client has elected to complete an annuity application with you using the e-App platform, they must have the ability to receive communications electronically. There are many free email vendors available on the Internet if your client does not currently have an email address. The agent's email address cannot be used as the client's email address.

For a 1035/Rollover is there a difference when using e-App or e-signature?

Yes. F&G requires additional forms for a1035/Rollover that must be completed so ensure you have included all the correct information about the existing coverage. F&G allows for forms to be sent to us by fax, email, or regular mail. Other carriers may require “wet signatures” on the Transfer Form, original documents, or may have their own specific requirements. You or your client must contact the existing carrier to determine any additional formsor requirements. F&G will not be able to advise you of the specific requirements of any other carriers prior to submission and some carriers will not release information to F&G. Should the existing carrier have any specified requirements, ensure these are sent to F&G (including the application number). If the existing carrier needs original documents, the forms must be mailed to F&G so that we can fill out our required sections. Once completed we then send the documentation on to the other carrier.

I am taking an application on a minor who does not yet have state-issued identification, and I am required to enter identification information in order to submit the application. What do I do?

Please enter “child – no ID” or “minor – no ID” in the driver’s license field, select “State Issued” for the type, and indicate the owner's resident state in the drop-down menu. You must complete this section, but you are able to provide a statement indicating that the applicant is a child with no driver’s license. If the minor is of legal driving age (16 in most states) and has a driver’s license, this information is required.

What do I do if I am trying to complete the “agent validation” and received an error in red text stating there is an issue with the agent code?

The error should list what information is invalid. Often times this information can be resolved by completing the trainings in SalesLink.

If all training is showing as completed in SalesLink please contact our contracting team by emailing contracting.support@fglife.com or by phone at 800-445-6758, option 4 to determine what is needed in order to complete the requirements necessary to submit the e-App.

Once corrected, please allow up to 5 business days for your agent validation to reflect in the system. You can proceed with the application and complete the forms with your client, but you will not be able to submit the application until you can complete the agent validation successfully.

How do I use e-signature on the application?

Follow the instructions once you have completed the application to use the e-signature feature within the e-App. We are able to accept e-signatures utilizing DocuSign but no other tool outside of the e-App. For example, signatures captured on a tablet and copied/pasted into the application will not be accepted. If DocuSign is used, you must include the Certificate of Completion.

Why can’t I click the complete button?

There are a few reasons you may have this issue:

Incomplete information

Check to ensure that all required questions and sections are completed. The easiest way to do this is to use the “Open/Close” dropdown navigate on the left side to navigate to the appropriate section – Any pages or sections with incomplete questions will be shown in red, allowing you to jump directly to that page. The question or missing information on the selected page will also be highlighted in red.

Can I view/print my completed application after submission?

Yes! On the main screen for your e-Apps, you will see a list of any applications you have started or completed through e-App. Select the application you wish to view and then go to “Other Actions.” By selecting “Display/Print PDF” on the drop-down menu, you have the ability to see and download the completed application to save, print or send to your marketing organization, as needed.

How do I identify my client’s application on e-App once I have started or completed it?

On the home screen for the e-App, you will see listed all of your activity (started or completed applications) using our e-App platform. This is not a list of your pending business, which can be viewed on SalesLink under My Business > New Business. In order to assist with easy identification of which application belongs to which client, rename the file as you begin (“create”) the e-Application utilizing the client’s name or other identifying information. This would need to be done at the time you begin an application as the name of the e-App file cannot be altered after you click “create.”

Can I make changes to a complete e-App?

If the signature section has not been completed, you are able to navigate back to the section to make any necessary changes. You may need to unlock the application under ‘Other Actions’ and resign once corrections are made. If you have collected the signatures and are unable to unlock the application that is likely because it has already started to be processed.

Reach out to New Business at Phone 800.445.6758 to confirm the changes you are planning to make. If the changes are allowed you will need to print the applicable forms and make the appropriate corrections. The client must initial and date those corrections and then submit them to F&G. The client must sign all corrections and send their ID either ‘wet’ or with DocuSign. DocuSign always requires the certificate of completion to be sent in with it.

When will my e-App be processed?

The e-App will be transmitted to FGL upon successful submission. We will work to enter the application in 24-48 hours, at which time it will be visible under My Business > New Business in SalesLink.