◀️  WATCH THIS FIRST!!!

Get Plugged into our groups!!

Please Get plugged into each of these links—Facebook, Discord, and our WhatsApp group

• Facebook 🔗

• WhatsApp 🔗

• Discord Group 🔗

• Select FFL National as your main team

Do New Agent Orientation

Join us for the NEW AGENT ORIENTATION Zoom at least once! Every Saturday at 10AM EST
http://newagent.fflall.com/

(Live is BEST; however, if you need a refresher by one of the best trainers we have, click HERE🔗) 

Start attending training calls NOW!!! 

These are the biggest ones:

Monday: 

8:30 AM EST - 9:00 AM EST: Team Huddle—Helps you kick off your week on the right foot - HERE 🔗 (In Optimum Breakout Room)

6:00 PM - 7:00 PM EST: Agency Call- Go over weekly success and training from TOP-TOP agents - HERE 🔗

Friday: 

12 NOON EST - 1:00 PM EST: Shawn Meaike Coaching Call - HERE 🔗

Full Call List HERE 🔗

Start Joining Live-Dials

Each day we dial together! This is the best place to learn, almost through osmosis. This is where you hear others making calls and giving and getting coaching. This runs daily 9 AM EST - 9 PM EST - HERE 🔗 

Schedule your Onboarding Zoom

Click HERE to select your recruiter and to schedule your onboarding call. 

This is what we will cover:

• Intake/New Hire Information

• Contracting Overview

• Script

• Go over the script you are going to master so you can get on the phone ASAP after contracting

  • Vet Script HERE 🔗 is the most common starting place

• Get Plugged In

• Start LIVING in Live-Dials

PLEASE READ THIS FIRST

If you are already licensed, this should be started ASAP (if you are a newer agent just getting licensed, you my need to come back to this step once you receive your NPN, so you will jump to the next Step of basic training).

IMPORTANT:  PLEASE READ THROUGH THIS ENTIRE SECTION ONE TIME BEFORE STARTING. IT REALLY WILL HELP YOU
UNDERSTAND THE PROCESS BETTER AND FINISH MUCH FASTER!!!

Pre-Contracting Steps

1. Accept Your HCMS Invite & Initial Setup

You will receive 3 emails:

• A Welcome Email from FFL National

• Your HCMS Account setup link — this link expires after you open it, so complete setup as soon as you open it

• Verify Your NPN # (make sure it is correct) 

Your HCMS invite comes directly from HCMS Contracting Support. Check your spam folder if you can't find it. If it's truly missing, contact your administrator at support@fflnational.com to have it resent.

2. Get E&O Insurance (Errors & Omissions) — Must be $1,000,000 coverage

If you already have E&O, great — skip to step 3

If not, you have two options we provide, BUT you really can get this from any company you choose:

• NAPA — HERE 🔗

  • $132.87 down, $32.83/month ($434/year paid monthly)

  • Go to the site → Select the first option (view policy details drop-down)  → Select the middle option for $32.83

• Integrity Connect (Discounted; requires year paid in full) — HERE 🔗

  • $365/year, paid in full

  • Select Level A → First option for $1mil / $1mil coverage

Download and save your E&O certificate — you will need to upload it to both NLC and SureLC.

3. Complete Your SureLC Profile & AML Training

⚠️ Must be done on a computer — does not work on a cell phone.

Set Up Your SureLC Account

• Log in HERE 🔗

• New agents: Click "Register" under the login box to create an account, then fill out all your information.

• Agents with a previous SureLC account from another IMO: Access SureLC through HCMS to make sure you're in the correct account. If you're unclear on this, ask your business mentor.

Complete the FREE AML Training (inside SureLC)

1. Click CE & Training

2. Click Start Training

3. Click Surancebay LLC FREE

4. Click the drop-down menu — a new window will open where you can read or download the material

5. Click Start Test — 10 questions, 15 minutes, open book. You can retake it if needed.

6. Download a copy of your completed AML certificate — you'll need it in the next step.

Upload Your Documents to SureLC

• Upload your E&O certificate

• Upload your AML certificate (goes under the CE & Training section)

NOTE:  Voided Check/EFT Bank Form (No starter checks - please have your full banking info printed on your check) 

Voided Check or Bank Letter:  Bank Letter must be signed by a bank representative and include your routing number, account number, and personal information on the bank letterhead. These are the ONLY two options for setting up direct deposit payments. Also, many banks have a page in your account settings where you can download a virtual deposit slip or check that can work for this step))

Start the Contracting Process

4. Complete NLC Contracting for Carriers

You will receive an email from our contracting team with the subject "Getting Started with Family First Life."  THIS IS JUST FYI, ALL THE STEPS YOU NEED ARE HERE

• Watch the how-to video HERE 🔗 — this walks you through the entire process

• Log in to NLC HERE 🔗

Once in NLC:

1. On the left-hand side, use the tabs (Training, Bank Info, etc.) to upload your documents — AML, E&O, voided check/bank letter

2. Double-check that all requirements are submitted before creating any requests

3. Locate the blue + sign on the Dashboard

4. Click New Contracting → Select each carrier: Americo, American Amicable, Mutual of Omaha, Transamerica, Aetna & CoreBridge ONLY

5. Go through the steps hitting "Next" until you Sign & Submit

6. Your request should appear in Requests → Submitted on your Dashboard. If it's sitting in "Drafts," something is missing — go back and check.

5. Follow Up with Carriers

3–5 business days after completing contracting, call each carrier (their numbers are on the carrier log in the step below) to confirm they received your info and processing is underway. If they don't have it yet, that doesn't necessarily mean something is wrong — there could be a delay. Either way, let your recruiter know so they can check.

Most carriers have a 5–7 business day processing time (as long as no additional info is requested). You'll receive your writing numbers from each carrier directly via email.

6. Download Your Carrier Log

Download HERE 🔗 — use this to save all your carrier writing numbers, usernames, passwords, and other important info as you receive them.

Navigating to all these sites

Gateway — Your Main FFL Portal- you can get to many places directly through the gateway

This is the main portal to most FFL tools including HCMS, Reporting, and more.

• Access Gateway HERE 🔗

• How to navigate Gateway - HERE 🔗

Helpful Tips

• Background issues? If anything in your background needs explanation, write a Letter of Explanation with ALL copies of court/support documents. Upload these to SuranceBay directly.

• Need help? After you've first attempted contracting on your own, email: support@fflnational.com

READ FIRST:  

• A big part of your training is being in LiveDials — basically, if you're working, be logged into LiveDials.

• The steps below are part of your training. Getting plugged into our weekly trainings, where the BEST train the rest, is KEY!

• Have a quick convo with your recruiter/mentor before you start. If you're working Inbound leads (recommended), you'll follow a slightly different path for scripts. If you're doing Outbound, follow the steps below.

Some Basic Training

• Take Sales Academy HERE 🔗

  • Baseline training for all things insurance and what we sell, etc

  • If, for some reason, you cannot access this, please email support@fflnational.com

Get Familiar with Scripts

• • • See scripts section on resources page HERE 🔗

      • START with the Vet Script (Veteran Script) - For outbound calling

      • Use IUL and/or other scripts after you are selling for a bit- ask your manager when and if you are ready to shift

      • IMPORTANT:  Your job is to MASTER the "opening objections" on the script- the first few seconds are the most critical!!!

    • Handling objections and rebuttals training - HERE 🔗

Tools for the overall Sales Process

• How to complete an Application 

  • How-To do it AND help your client complete the signature process - HERE 🔗

    • This will show you how to do our main applications AND how to guide a client to sign the agreement

• Client Profile Sheet HERE 🔗

  • You will use this every time you meet with a Client to keep notes and to do an effective needs analysis

Underwriting Help

• FIRST—as a new agent, being in LiveDials will help you know what carrier to use AND when dialing, they will literally tell you what to write, HOWEVER, in a pinch, AND to learn how to select a carrier on your own, use Integrity Connect below

• Integrity Connect - Access through the left-hand navigation on the Gateway (link to get there is HERE 🔗)

  • Easy to use: enter the client details and the product type, and see where the best price and likelihood of approval are

  • To see a demo on how to use this tool, click HERE 🔗

• The Cheat Sheets are for when you are in a HUGE pinch, and to help you see an overall snapshot of carriers; you will typically be in LiveDials or use Integrity Connect above

  • Whole Life Cheat Sheet HERE 🔗

    • An easy tool that shows you what carriers will NOT accept many conditions

  • Term Life Cheat Sheet HERE 🔗

    • An easy tool that shows you what carriers will NOT accept many conditions

  • Mega Guide of all Underwriting Guides is HERE 🔗

Inbound Call Trainer

• CallVault Training with "Dorthy" HERE 🔗

Track Your Activity (for the day—gamified)

• Goal Card—An easy way to break up the day into manageable chunks—HERE 🔗

Track your detailed activity and sales 

• Google Sheet Activity & Sales Tracker -  Track your clients here if you are not using the CRM—HERE 🔗

Digital Tracking with John Wetmore Site- Free version is great to track dials and your success HERE 🔗

• John Wetmore Printable Dial Tracker and Client Profile Sheet HERE 🔗

Always Dial With The Team

• The Dial Room—Friends don't let friends dial alone!!!! - HERE 🔗

  • Join the Team Optimum Breakout 9 am EST-12 pm EST Monday-Friday.

✔️ Have you printed out or have super quick access to your carrier log so you can easily log into carriers (from contracting step above)?

✔️ Do you have quick access to the "How-To Complete an Application" site for apps that also walk you through the signature process for your first few policies? HERE 🔗

✔️ Do you have a clear schedule and clear goals?

✔️ Does your manager/recruiter/mentor know you are getting on the phones now?

✔️ Have you scheduled your strategy call (NEXT STEP)?

Click HERE to select your recruiter and to schedule your Strategy Zoom. 

HERE 🔗 is the template you can use for your Strategy Zoom.

What we will cover: 

✔️ Getting your mind in the right spot

• • Why are you doing this business in general?

  • 30 Day goals

  • 90 Day goals

  • What are you willing to do to reach these goals?

  • What are you willing to give up?

  • Do you have the support you need?

✔️ Being prepared to dial

• • Schedule

  • Goal Card (tracking your success)

  • First Dial Day—When?

  • Is the script in good shape?

  • Are you coachable? - And what does that mean?

  • Your First Lead Buy - let's knock that out too.

We live and breathe off leads; here's how to order

REGISTER with GOAT Leads!!! If you are plugged in and following our systems, Jesse/Optimum will give you a lead credit for your first 100 aged leads!

1- Register for GOAT Leads with the link immediately below

2- Text Jesse that you registered with GOAT after your strategy call

ALWAYS USE THIS LINK:  https://goatleads.com/registration/new?affiliate_id=66c4aa379e0123651ad2f0e6

(https://bit.ly/GOATLEADS)

FIRST- Have your strategy call with your mentor; this will help us decide on a lead strategy!

Outbound Leads:

FYI—Buying leads

• • Age: 

    • "FRESH" / REAL-Time

    • Aged

  • Type

    • VET-Veteran leads - BY FAR THE MOST POPULAR WAY TO GO

    • IUL

    • Mortgage Protection

Inbound Leads:

Inbound Campaigns

• Ask your mentor/recruiter about this first!!!

• WATCH THIS!!!! Inbound Leads are the future; watch HERE 🔗

• Then learn more, and see how to enroll- HERE 🔗

• Head over to our recruiting page HERE 🔗

IUL Specific 

• IUL Explainer Video (Optimum Branded): HERE 🔗

• Epic IUL Overview - HERE 🔗

  • Dan is one of the best educators on IULs. This is a great overview and a deeper dive on IULs

• IUL Script - HERE 🔗

  • This is based on the goal to have a 1-call-Close where appropriate and to pivot to a more structured meeting when needed

• IUL Decision Tree - HERE 🔗

  • How do you know which IUL company or product to write, look here!

• Some good people to follow

  • Doug Andrew - HERE 🔗

    • Good info on IULs, don't pay to take courses or anything like that

  • David McKnight - HERE 🔗

    • Another good one to follow about building tax-free money for the future and retirement

• National Life Group Illustrations

  • Max DB Focus Flex Life Illustration: HERE 🔗

  • Minimum DB/Max Cash Flex Life Illustration: HERE 🔗

  • General NLG (National Life Group) Basic Illustration - HERE 🔗

• Transamerica IUL Site HERE 🔗 

  • Application Video HERE🔗

• All SRS (Simplified Retirement Solutions) Recordings are HERE🔗

• Americo IUL Training Site - HERE 🔗

Money, Wealth, Life Insurance - (read this, listen to it, send to clients!!)

PDF Copy- HERE 🔗

Audio Book Copy- HERE 🔗

Mortgage Protection

Quintessential Mortgage Protection Overview with John Wetmore HERE 🔗

Mortgage Protection Script HERE 🔗

Annuity Specific

• Learn all about Annuities from the GOAT - HERE 🔗 

• Register your numbers to reduce SPAM risk - HERE 🔗 And to get more pick-ups HERE 🔗

• Adding other State Licenses - HERE 🔗

• Posting to the leaderboard - HERE 🔗

• Register your numbers to reduce SPAM risk - HERE 🔗

• Adding other State Licenses - HERE 🔗

• Posting to the leaderboard - HERE 🔗

Wrapping up your sale so it sticks

• Follow the script. At the bottom, we have specific language to tie down/wrap up your sale

• THEN, make to follow using this, or a similar cadence

  • 1-3 days after the sale, make sure they have your number saved in their phone, make sure they are clear on what they bought, and basically reiterate the tie-down section of the end of the script to make sure they are locked in with you, ask for introductions

  • 10 days later, make sure they got the copy of their policy in the mail OR they have logged into their carrier site, whatever makes sense for that type of client/policy, ask for introductions

  • 3 days before their second draft, call as a reminder and ask for introductions

  • 6 months/holiday/or birthday etc, check in, ask for introductions

  • 11.5 months, offer annual policy review, ask for introductions

• On each call, take the opportunity to protect other family & friends and see if there are other needs like annuities, children, etc

Legacy Safeguard

Legacy Safeguard University® was created to help you successfully offer the Legacy Safeguard end-of-life planning service and our industry-leading solutions to everyone you serve.

You’ll get access to tools and proven techniques that will help you serve more clients, close more sales and increase your income—all at the same time.

Press Release

Membership Site - Clients can go here to log in and learn more about this now, FREE service we provide for them

University For Agents - Agents sign up to offer this service to your clients here, learn how it works and how to get Clients enrolled

Videos - Learn more about this awesome FREE service we provide