Your one-stop shop for “who do I email” and “what the heck is HCMS?”

⚠️ Agent Reminders

Before you request ANYTHING, make sure you:

• ✅ Have E&O Insurance active and saved as a PDF
• ✅ Completed the registration for HCMS, NLC, and SureLC
• ✅ Completed the required Bootcamp for Annuity and IUL carriers
• ✅ Know your writing number
• ✅ Submit through the right system (HCMS / NLC / Email)
• ❌ Transferring from another IMO? Watch for restrictions, hold times, or paperwork requirements. Email Brooke at [email protected].

📩 Email Template (copy/paste)

To: [email protected]

Subject: Contracting Request – [Your Name] for [Carrier]

Hi Brooke,

I’d like to request a contract for [Carrier Name].

Here’s my info:
– Full Name: [Insert Name]
– NPN: [Insert NPN]
- Annuity/IUL Training Complete: [Yes or No] 
	*(only needed for Annuity IUL carriers)*

Thanks so much!
Best,
[Your Name]

🔍 Carrier Contracting Database

Aetna

Aflac

American Amicable

Americo

Athene

Columbus Life

Ethos

F&G

Foresters

Lafayette

Mutual of Omaha

NLG

North American

Occidental

Royal Neighbors

TransAmerica

United Home Life