Agent Reference Guide
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1 Agent Reference Guide Preneed Insurance Coverage
2 Product Features PRENEED LIFE INSURANCE Issue Ages Initial Face Amount/Premiums 2 $500 - $25,000 $500 - $25,000 PRENEED IMMINENT ANNUITY Payment Plans 3 Single Premium 3 Pay 5 Pay 7 Pay 10 Pay Single premium Minimum additional premium of $50 may be paid at any time and will be credited on date received by Forethought administrative office Payment Frequency Monthly, Quarterly, Semi-annually, Annually Flexible Payment Methods APA, Check, Credit Card, Coupon Book APA, Check, Credit Card Death Benefit Full coverage from date of policy issue for single pay plans 4 Full coverage or graded death benefit coverage with limited benefits for one to two years depending on answers to health questions Full coverage from the day of issue Premiums paid plus interest Current Interest Rate Discretionary growth applied quarterly 5 Guaranteed fixed interest rate declared annually on the contract anniversary and credited daily Surrender Charges Not applicable Charges apply to the total Contract Value (premiums paid plus interest) if the contract is surrendered at any time prior to the Annuity Date, excluding during the freelook period 9-year schedule: 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% thereafter Partial surrenders are not allowed Charges not assessed against death benefit proceeds Policy Delivery Policies are mailed directly to the owner Policies are mailed directly to the owner Backdating Free Look Period Allowable up to 6 months if it reduces premiums Contract may be returned within 30 days To ensure consumers have adequate time to receive and review their contracts, we allow 90 days from issue to make any changes to the contract Not applicable Contract may be returned within 30 days To ensure consumers have adequate time to receive and review their contracts, we allow 90 days from issue to make any changes to the contract 1 Issue ages for CT. 2 Total premium contributions over $25,000 require management approval. Maximum premium is the lesser of the funeral amount or $25,000. FL has a $16,188 initial face amount limit for Subject to annual adjustment. OK has a $10,000 limit if irrevocably assigned. 3 Premium payment plan availability may vary by state and/or age. 4 Some products may be subject to a 6 month delay. 5 May vary by product. Some products do not credit in year 1 until the policy anniversary.
3 Underwriting and Health Questions UNDERWRITING Field underwritten No medical exam required Guaranteed issue coverage annuity Underwritten (first day) coverage life insurance - If death occurs within the first two years then it is contestable - If the insured answers no to all health questions and physically signs the application/enrollment form Graded death benefit coverage life insurance - Limited benefits for one to two years - Full coverage is provided for accidental death on multi-pay plans HEALTH QUESTIONS Question #1 Question #2 Question #3 Question #4 Are you currently confined to a hospital or are you receiving hospice care, or within the last twelve months have you been told by a medical practitioner that you should be confined to a hospital or receive hospice care but you chose to not follow that instruction? Has a medical practitioner advised you that you have a terminal illness or condition, or that your life expectancy is twelve months or less? If applicant answers yes to question 1 or 2, they will be issued an annuity product and will not need to complete questions 3 and 4. Are you confined to a nursing home (including custodial care) or other such facility, or within the last twelve months have you been told by a medical practitioner that you should be confined to such a facility but you chose to not follow that instruction? During the last five years has a medical practitioner diagnosed you as having, or treated you for, any of the following: (Review medical descriptions/disorders list on following pages.) Remind applicants that when asked if he/she has been diagnosed OR treated for any of the disorders in section 2, active treatment includes but is not limited to a visit to a physician, a prescription for medication, surgery, clinical care or therapy, hospitalization, nursing or home health care, and in patient or outpatient treatment. 2
4 Product Eligibility and Selection WHICH PRODUCT DO I USE? ANNUITY PRODUCTS Is the proposed insured currently confined to a hospital, receiving hospice care, terminally ill with a life expectancy of one year or less, or is older than age 99? No Yes Preneed Imminent Annuity LIFE PRODUCTS Can the proposed insured pay in full? No Yes Full Benefit Single Pay Life Single Payment Is the proposed insured in relative good health? (Answers No to health questions 3 and 4.) Yes Can the proposed insured sign the application for insurance? No Yes Underwritten Life with full first day coverage 3, 5, 7 or 10 Year Payment Plans No Graded Death Benefit Life in first 1 or 2 years 3, 5, 7 or 10 Year Payment Plans 3
5 Death Benefits UNDERWRITTEN COVERAGE LIFE INSURANCE Full first day coverage from date of policy/certificate issue Single payment plan (Ages 0 99) Available if health questions 1 and 2 on application/enrollment form are answered NO by the proposed insured. First six month s coverage = premium paid. 6 Upon six month anniversary, full face amount coverage becomes effective. Multiple payment plans Available if ALL health questions on application/enrollment form are answered NO by the proposed insured. Applies on preferred rate plans (Ages 0-70) if all health questions on application/enrollment form are answered NO by the proposed insured. 7 Full face amount is effective from the issue date of the policy/certificate. Note: Health questions are to be completed by the insured only, and the insured must sign the application/enrollment form for first day coverage. If death occurs during first two years from date of issue, the policy/certificate is contestable. GRADED DEATH BENEFIT COVERAGE LIFE INSURANCE Multiple payment plans Limited benefits for one to two years. Graded death benefit coverage is issued if proposed insured answered YES to health questions 3 or 4 on application/enrollment form. Full coverage is provided for accidental death on multiple payment plans. Graded death benefit coverage for multiple payment plans 8 Months 3-pay 5-pay 7 & 10-pay Months % of PREMIUMS PAID 105% of PREMIUMS PAID 105% of PREMIUMS PAID Months % of original face amount 105% of PREMIUMS PAID 105% of PREMIUMS PAID Months % of face amount 70% of original face amount 110% of PREMIUMS PAID Months % of face amount 100% of face amount 100% of face amount GUARANTEED ISSUE COVERAGE ANNUITY Preneed annuity (Ages 0 105) Available if proposed insured answered YES to health questions 1 or 2 on application/enrollment form (Did not qualify for life insurance due to potential for imminent death or issue age is over 99) Death benefit is equal to annuity contract value (premiums plus interest) from date of issue This is a summary of selected contract provisions and is provided for informational purposes only. It is not part of the policy/certificate or contract. Coverage becomes effective once the policy/certificate or contract is issued while the insured is living and the first premium has been paid. Please refer to the policy/certificate or contract for complete terms and conditions. Please advise your client to review it carefully. 6 Varies by product. Preferred rate single pay equals full amount. 7 Preferred rates not available for all products. 8 Does not apply to AR, NJ and OR. Refer to Death Benefits sheets for these states. 4
6 Medical Descriptions/Disorders The following descriptions are examples of specific types of disorders that fall under the disorders listed on the application for insurance/enrollment form. These examples are not intended to be an exhaustive list. If you have any questions regarding a specific disorder, please call Forethought Life Insurance Company. 1 AIDS/ARC The applicant must have been diagnosed and/or treated for AIDS (Acquired Immune Deficiency Syndrome) or ARC (Aids Related Complex). HIV is not a relevant diagnosis. 2 CANCER includes but is not limited to: Metastasis Lymphoma Carcinoma Sarcoma Adenocarcinoma Multiple Myeloma Leukemia Malignant Melanoma Any internal cancer or cellular malignancy Oncology Disorder Hodgkin s disease 3 KIDNEY DISORDERS includes but is not limited to: Pyelitis Nephritis Nephropathy Nephroptosis Phelonephritis Nephrosclerosis Dialysis Renal Failure Polycystic Renal Disease Renal Insufficiency 4 BLOOD DISORDERS includes but is not limited to: Hemophilia Leukemia Lymphoma Aplastic Anemia Blood Transfusion (due to anemia) Von Willebrand Sickle Cell Anemia Thrombocytopenia 5 CIRCULATORY DISORDERS includes but is not limited to: Arteriosclerosis Thrombosis Carotid Artery Disease Hemorrhage Atherosclerosis Aneurysm Peripheral Vascular Disease 6 LIVER DISORDERS includes but is not limited to: Hepatitis Cirrhosis of the Liver Liver Failure Hepatoma Liver Transplant 7 BRAIN/NERVOUS DISORDERS includes but is not limited to: Epilepsy Myasthenia Gravis Transient Ischemic Attack (TIA) Cerebral Embolism Seizure Disorder Huntington s Disease Cerebral Palsy Stroke Muscular Dystrophy Alzheimer s/dementia Quadriplegia Cerebral Vascular Accident (CVA) Down s Syndrome Meningioma Amyotrophic Lateral Sclerosis (ALS)/ Multiple Sclerosis Cerebral Hemorrhage Lou Gehrig s Disease Parkinson s Disease Encephalitis Mental Retardation (MR) is a disability characterized by significant limitations both in intellectual functioning and in adaptive behavior as expressed in conceptual, social, and practical adaptive skills. MR is not a medical or mental disorder but if the individual is in a custodial care facility, unable to care for themselves, or diagnosed with other medical conditions contributing from MR, then MR would be considered a medical disorder. 5
7 8 HEART DISORDERS includes but is not limited to: Aortic Stenosis Angina Pectoris Heart Transplant Ischemic Heart Disease Valvular Disease Heart Valve Replacement Congestive Heart Failure Pacemaker Atrial Fibrillation or Flutter Heart Attack Myocardial Infarction Bypass Surgery Coronary Occlusion Arteriosclerotic Heart Disease Angioplasty Coronary Insufficiency Congenital Heart Disease Stent Placement Hypertensive Heart Disease Coronary Artery Disease Cardiomyopathy Rheumatic Heart Disease Defibrillator Tachycardia Hypertension (high blood pressure) We do not consider hypertension a heart disorder if it is controlled and managed within acceptable limits through diet, exercise and medication. However, if it is uncontrollable through normal treatment, or if the applicant has hypertensive crises, then hypertension should be considered a heart disorder. Note: If an insured has had bypass surgery, heart attack or any type of heart procedure, no matter how many years prior, they will need to answer yes to question #4 on the application for insurance/enrollment form. This is due to the fact that the insured will be diagnosed with coronary artery disease at that time and he/she will carry that diagnosis in the medical file until their demise. 9 LUNG DISORDERS includes but is not limited to: Emphysema Pulmonary Edema Tuberculosis Chronic Pneumonia Chronic Respiratory Disorder Pulmonary Sarcoidosis Chronic Bronchitis Pulmonary Fibrosis Bronchiectasis Chronic Obstructive Pulmonary Pulmonary Embolism Cystic Fibrosis Disease (COPD) Pneumoconiosis Lung Transplant Asthma is a disease of the respiratory system. This disorder is a chronic or recurring inflammatory condition. We do not consider asthma a lung disorder if it is intermittent and controlled by bronchodilators, but if asthma becomes a chronic respiratory impairment or severe persistent asthma associated with other lung/respiratory conditions, then asthma will be considered a lung disorder. 10 INSULIN DEPENDENT DIABETES Diabetes is a medical disorder characterized by persistent variable hyperglycemia (high blood sugar) levels. We do not consider diabetes to be a disorder if it is well controlled with only diet, exercise and/or oral medication (i.e., Type II). However, any use of insulin to control this condition (i.e., Type I) will cause the condition to be considered a disorder. Please call the Customer Service at (800) with any questions you may have regarding the above information. 6
8 Completing the Application/Enrollment Form The Forethought life insurance/annuity application/enrollment form facilitates the purchase of Forethought insurance coverage. It is a simple two page application. The following instructions are intended to represent the typical fields required to be completed in most states. State variations may require additional information. Be sure to send all copies and a check made payable to Forethought Life Insurance Company in the postage paid envelope or fax all copies and a voided check to Forethought at (855) INSTRUCTIONS Section 1a: Complete Proposed Insured/ Annuitant s personal information. Social Security number is required. Section 1b: Complete if policyholder/owner is different from insured/annuitant. Social Security number is required. Section 2: All applicants MUST answer questions 1 and 2. Yes to either = annuity with guaranteed issue coverage (no need to answer additional health questions). If No is answered to both, questions 3 and 4 should be answered. Questions 3 and 4. Yes to either = life insurance with graded death benefits during the first one or two years, depending on age and payment plan. No to both = life insurance with underwritten coverage. Section 3: If life insurance, provide face amount and payment plan. If Flex Pay is desired, check other and write in Flex. If annuity, provide total funeral amount and indicate single pay. Section 4: If life insurance, indicate frequency and method of payment. If there is a down payment indicate next to initial. Modal is the amount required for the indicated payment frequency. Total is equal to down payment (initial) plus modal amount. If annuity, provide total submitted premium in single premium box. 7
9 Section 5: Applicant must answer the replacement question and complete the additional information if Yes. Section 7: Applicant must specify a beneficiary for any possible excess funds. Social Security number of the named beneficiary is highly recommended but not required. Section 8: Provide secondary addressee information, which is helpful for premium lapse notices. Section 9: Obtain signature of Proposed Insured/Annuitant. Obtain signature of owner if different. Section 10: If selecting APA, obtain necessary account information and attach a voided check. Account Holder must sign and date this section. Section 11: Agent must answer the replacement question, complete their personal information, sign and date. Funeral Home ID and address are recommended but not required. The Guaranteed Cost or Price Estimate Only Funeral Planning Agreement, including Statement of Funeral Goods and Services, must be completed. This is not required if submitting a final expense policy. Please contact Forethought Customer Service if you have any questions as there are several state variations. 8
10 9 Annuity Example
11 Annuity Buyer s Guide Acknowledgment The NAIC Annuity Disclosure Model Regulation, which sets forth requirements for providing Annuity Buyer s Guides when soliciting annuity business, requires delivery of the guide to preneed annuity customers at the time of sale. The Annuity Buyer s Guide is intended to provide your families with important information relating to their annuity purchase. Contract holders will need to confirm receipt of the Buyer s Guide by signing the Annuity Buyer s Guide Acknowledgment Form and return it to Forethought with the completed, signed and dated Life Insurance/Annuity application. Applications for the Preneed Imminent Annuity without the completed acknowledgment form will be pended. If you have any questions or need to obtain a supply of the Annuity Buyer s Guide and Acknowledgment Form, contact Customer Service at (800) *Required in AL, AK, AZ, AR, CO, FL, GA, HI, ID, IA, KY, NV, NJ, NM, NC, OH, OK, OR, RI, SC, TX, UT, VT, WI and WV. Note: The Annuity Buyer s Guide does not need to be delivered to clients who qualify for life insurance to fund prepaid funeral benefits. If you are selling the annuity, but are not in one of these states, you do not need to submit an Annuity Buyer s Guide Acknowledgment form. Credit Card Authorization Forethought Life Insurance Company accepts premium payments via credit card through Simply Easier Payments, a third party credit processing vendor that specializes in providing online payment services. A Security and Delivery Fee for the service will be charged. Please contact Forethought Customer Service for assistance. A completed Credit Card Payment Authorization form will be required. COMPLETION CHECKLIST Complete Insured s personal information Name of Insured Name of Policy Owner if different CREDIT CARD PAYMENT AUTHORIZATION Forethought Life Insurance Company One Forethought Center Batesville, Indiana Insured s Date of Birth Policy/Certificate Number Complete credit card payment information Cardholder s address Credit Card Payment Information This will allow Forethought Life Insurance Company ( Forethought ) to charge your insurance premium to your credit card account. Credit Card Number: Select authorization for initial premium only or recurring payments Type of Credit Card: VISA MasterCard Discover CVV Code : Cardholder Name (as appears on credit card) Expiration Date: / M M Y Y (3 digit code on the back of card) Important Information regarding Simply Easier Payments, the Service Provider Simply Easier Payments is an independent payment service. By using this service, you are contracting with Simply Easier Payments to handle these transactions. A Security and Delivery Fee is an amount charged by Simply Easier Payments to you for processing your payment and forwarding it to Forethought to whom you have made the payment. The Security and Delivery Fee is nonrefundable. The full amount of your payment is forwarded to Forethought and the transaction is recorded as occurring the moment you complete it. The timely recognition of your payment is one of the primary benefits of using this method of payment as it may help you avoid late payment fees or a lapse in coverage. The Security and Delivery Fee is not a part of the payment you are making, but it is a separate charge made by and for Simply Easier Payments. You may decide to make your payment by mailing a check or requesting an automatic payment from a checking or savings account to avoid the Security and Delivery fee. Security and Delivery Fees associated with Simply Easier Payments* Payment Options Payment Security and Delivery Fee Credit Cards Accepted Single Premium/Early payoff Up to $7, $ MasterCard, Visa, Discover Single Premium/Early payoff Over $7, % of premium MasterCard, Discover Multiple Premium Payment One time Up to $ $4.00 MasterCard, Visa, Discover Multiple Premium Payment One time Over $ % of premium MasterCard, Discover Recurring Multiple Premium Payment Up to $ $4.00 MasterCard, Discover Recurring Multiple Premium Payment Over $ % of premium MasterCard, Discover *Simply Easier Payments reserves the right to modify the Security and Delivery Fee without notice Authorization Check here if this authorization is for the initial premium only. Check here to establish recurring credit card payments. ( Address Required) I authorize Simply Easier Payments and Forethought to charge my credit card for the amount of the premium due plus the Security and Delivery Fee. I authorize this plan to continue for as long as the payment amount remains unchanged and request that the credit card company and bank institution honor such charges. This authorization shall continue until the policy/certificate is paid in full or authorization is revoked by me. I further agree that if any charge fails or is disallowed, neither the institution nor Forethought shall be under any liability whatsoever. Obtain necessary signatures and date Cardholder Signature Date A Forethought
12 Calculation Examples FULL BENEFIT SINGLE PAY LIFE Example: 65 year old prearranges a $5,500 funeral Initial Face Amount = $5,500 x = $5, month Face Amount = $5,500 x = $6,050 NOTE: When calculating the face amount for single pay contracts, it is necessary to calculate both the initial face amount and the 6-month face amount. Both amounts must be shown on the enrollment form. FULL BENEFIT MULTI PAY LIFE Example: 70 year old prearranges a $6,000 funeral and wants monthly payments over 5 years Initial Face Amount = $6,000 Monthly Premium Amount = $6,000 x = $ PRENEED IMMINENT ANNUITY SINGLE PAY Example: 88 year old is terminally ill (answers yes to question 1) and prearranges a $7,500 funeral Total Premium (Funeral Amount) = $7,500 11
13 GRADED DEATH BENEFIT MULTI PAY LIFE Example: 75 year old prearranges a $5,000 funeral and wants monthly payments over 5 years with an initial down payment of $1,000 Initial Face Amount = $5,000 Face Amount = $5,000 - $1,000 = $4,000 Remaining to be funded = $4,000 Monthly Premium Amount = $4,000 x = $93.72 Calculating Premiums Insurance premiums and face amounts are both tied to mathematical factors known as premium and face factors. Premiums can be calculated electronically using the Forethought Rates2Go SM app or manually using the tables provided on your specific product sheet. RATES GOSM GET STARTED WITH THE RATES2GO APP As a new agent, you will receive an from Forethought. The will include an ID, password and link to download the Rates2Go app. Connect to the internet to login to rates2go.forethought.com and download the app. Internet access is not required once the app has been downloaded and you are logged in. Your device will automatically save your login information until you log out or access Rates2Go from a different device. If you have questions setting up Rates2Go on your device please call Forethought Sales Support at (866) or rates2go@forethought.com. 12
14 Common Questions Why are Social Security numbers required for the Insured and Owner? In order to be compliant with Anti-Money Laundering guidelines Forethought uses the Social Security numbers of the Insured and Owner, if different, to verify the source of funds. In addition as part of our process to ensure unclaimed property is distributed appropriately we validate our active policies/contracts on a quarterly basis against the Social Security number. What if the applicant refuses to provide a Social Security number? If the applicant refuses to provide a Social Security number, or does not have one, we can accept alternative identification using our Identity Verification form (A7092), but we will not issue a policy or contract without some form of identification for both the Insured/Annuitant and Owner. When to use the Initial Face Amount and Face Amount at 6 Months in the Life Insurance section on the application? When receiving a single premium payment, both the initial face amount, and the face amount at 6 months boxes need to be filled out. When writing a multi-pay plan, you may put the face amount in the initial face amount box and leave the face amount at 6 months box blank. What health questions need to be answered if it s a single-pay policy? The first two questions have to be answered on each application. If the answer is no to the first 2 questions, and the client wants to pay the full funeral amount as a single premium, then questions 3 and 4 need not be answered. Who can answer the health questions? Health questions 1 and 2 can be answered by the Owner or Insured. To qualify for underwritten coverage, all health questions must be answered by the Insured. What if the Insured is unable to sign? The Insured s signature is only required for multipay underwritten coverage life insurance plans and/ or preferred rates. If the Insured is unable to sign, a single-pay life plan, multi-pay graded death benefit plan, or preneed imminent annuity can be used depending on responses to the health questions, provided someone with insurable interest signs on behalf of the Insured. Insurable interest is defined as having a monetary interest in the continuing life of the Insured at the time of application for coverage. Is the preneed imminent annuity available for final expense policies? No. The preneed imminent annuity product is available only for guaranteed cost and price estimate only funeral planning coverage. What if a change needs to be made to a policy? Any changes that need to be made to a policy including payment years, funeral amount, early pay-off, designated beneficiary, etc. should be initiated with Forethought Customer Service at (800) They can provide you with the proper paperwork and answer any questions you may have. 13
15 Top Reasons Why a Policy is Not Issued Immediately Avoid these simple mistakes to help ensure your business is processed quickly. Any signature missing Missing date of birth Check or payment didn t accompany the application/enrollment form Box 3 of the application/enrollment form is not completed correctly If applicable, missing copy of power of attorney or guardianship papers Replacement questions not answered Missing agent number Premium not calculated correctly Submitted premium not correct Age of insured not eligible for payment plan selected Incorrect forms received Missing forms Missing Social Security number of proposed insured/annuitant and owner For down payment policies, not submitting both the down payment and premium Consumer only eligible for preneed annuity but applies for life insurance Missing signature of proposed insured on Statement of Funeral Goods and Services CONTACT INFORMATION New Business Fax: (855) Address: Forethought Life Insurance Company P.O. Box 151 Batesville, IN Overnight Business Address Forethought Life Insurance Company Attn: Preneed new business 1 Forethought Center Batesville, IN Licensing and Contracting Phone: (800) Fax: (800) preneed.licensing@forethought.com Sales Support Phone: (866) sales.support@forethought.com Customer Service Phone: (800) Fax: (800) Claims Fax: (888) ask.us@forethought.com 13 14
16 This manual is intended to provide general information regarding Forethought Life Insurance Company products, forms and standard operating procedures. Please contact Forethought Sales Support for specific state information as some products, forms and standard operating procedures may differ or be unavailable in all states. Forethought is Forethought Life Insurance Company and affiliates, subsidiaries of Global Atlantic Financial Group Limited. Forethought Life Insurance Company One Forethought Center Batesville, IN (866) forethought.com PA1002 (07-14) 2014 Forethought
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