Skip to Content
Graphic hero indigo
Graphic hero indigo

Everything you need to submit life insurance business with us

We're committed to making it easier for you to protect more people. Our tools and experienced teams are here to help you navigate the life insurance submission process quickly and accurately.

We're with you at every step of the submission process

Access tools and support to make the life insurance submission process efficient for you and your clients.
Find the details and forms you need to submit applications efficiently and accurately.
See the underwriting support and resources we offer to help you place more cases.
Learn how to stay informed with our pending business tool.
Explore electronic policy delivery and find important details for any delivery method.

Application submission guidelines

We recommend initial premiums are submitted with the application. To simplify your experience, please follow these guidelines.

Business must be submitted electronically using one of the following methods:

  • Protective's drop ticket tool, EZ-App
  • Edward Jones term platform, Ebix LifeSpeed

We accept premiums with the application up to a face amount of $1,000,000, in-force and applied for, to include Protective and its affiliates.

Under the Conditional Life Receipt, premium should not be accepted if the client:

  • Is under 15 days of age or over age 80
  • Has been admitted to a hospital or other medical facility, been advised to be admitted, or had surgery performed or recommended within the past 90 days
  • Has had treatment recommended, or has been treated within the past 2 years for heart trouble, stroke or cancer
  • Has been rated or declined for insurance within the past 5 years
  • Intends to leave the United States within the next 60 days

Important conditional life receipt notes:

  • Explain to your client that the Conditional Life Receipt provides limited coverage under specific conditions
  • Ensure that the Conditional Life Receipt is fully completed, and the applicant's copy is left with the applicant when money is collected
  • If premium is received with the application and the applicant's copy of the Conditional Life Receipt is attached, a letter from Protective's home office will be sent to the applicant enclosing their copy
  • Postdated checks will not be accepted

Please note, if premium is received with the application which is outside the above listed guidelines, or the Conditional Life Receipt is not fully completed:

  • We will communicate before the premium is returned, allowing you the opportunity to contact your client
  • We will return the premium to the premium payor

Please refer to the Acceptable Forms of Money grid for Check Acceptance Guidelines (pdf)

Call your Regional Vice President or contact us.

Exception handling

Applications that are missing information, have incorrect information or contain information that requires verification are removed from the normal underwriting workflow and placed in exception handling to expedite the resolution of these issues.

The most common items placed into exception handling include:

  • Replacement forms and/or replacement company information
  • Conditional life receipt or temporary life receipt (CA and KS)
  • NAIC illustrations (Not applicable for VUL business)
  • Money orders/cashier's checks submitted with the application

When submitting applications, pay close attention to these items to ensure quick and accurate processing.

Life policy delivery rules, regardless of method

Whether you choose to deliver policies to clients electronically or through paper, here's what you should know about delivery.

When a policy is issued on a COD basis:

  • A letter is sent with the policy stating the requirements needed
  • The file is held open for a period of 45 days

Files are held on a COD basis for items such as:

  • Delivery receipt
  • Premium
  • Amendments
  • Good health statements
  • (PAW) authorizations/voided checks
  • Alternate policies
  • Signed Illustrations
  • Save Age Forms
  • Other miscellaneous items not received prior to issuance of the policy

Please note:

  • Money orders, cashier's checks, official checks, etc. are not acceptable for premium payments
  • Credit cards are not acceptable for VUL premium payments (product availability varies by firm)
  • COD policies should only be delivered if there has been no change in health and insurability of the insured from that described on the application
  • No future dating will be allowed for VUL business (product availability varies by firm)

Other related topics

Financial professional submitting a life insurance policy using the Protective Velocity tool
Streamline new business processes with Protective Velocity
Couple laughing with their kids while knowing their family is protected by life insurance.
Why life insurance is important to clients and you
A financial professional helping a young family apply for life insurance.
Understanding the basics of life insurance
We’re here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.