CONGRATS!!!  Now that you have passed your life insurance exam, you need to complete your life insurance license application and your fingerprints.

If you did not pay for your life license in advance and complete your application at the testing center, you will need to fill out your life license application online and then schedule a time to go back to a Prometric testing location and complete your fingerprints. 

The costs are as follows:

• Application = $75
• Fingerprints = $6

Step 1 - LIFE INSURANCE LICENSE APPLICATION:

It is important to know that you have 90 days to complete your application or else you will have to retest.  You can complete your application at  www.sircon.com/utah 

Frequently Asked Questions:

The following are commonly asked questions found in sections throughout the application that you will need to know how to answer:

• Is this a Resident or Non-Resident license? - Resident
• Are you an Individual or a Firm? – Individual
• Payment Method – Credit Card/Electronic Check Submission
• License Information – Resident Producer Individual
• Qualification Code – Life (*if you passed the 17-01 exam) or Life and Accident & Health or Sickness (*if you passed the 17-03 exam)

• Business Email – Put your preferred email address
• Business Web Address – Leave Blank
• FINRA CRD Identifier – This is ONLY applicable if you have your securities license (SIE, Series 6 & Series 63)
• Individual Alias Information – Skip this section
• Individual Business Address - 10653 South River Front Parkway, Suite 190, South Jordan, Utah 84095
• Individual Mailing Address – Same as Individual Business Address
• Business Phone Information – Use your personal cell number
• Business Fax Information – 801-938-1088

Step 2 - FINGERPRINTS:

Upon completion of your Life Insurance License Application, you should be able to schedule a time to go in and complete your fingerprints.

1.  Go to Prometric (Pro Scheduler) and select a day/time to complete your fingerprints.  Click HERE

2.  Click the "Schedule" button.

3.  Select a Test Sponsor.  Choose "Utah Insurance Department".  Under "Select a Program", choose "Utah Insurance Department"

4.  Go through the disclaimers and scroll to the bottom of each page. On the second disclaimer, scroll to the bottom and check the two boxes stating that you "confirm" and "consent".

5.  Click on "No", unless applicable to you regarding Pre-approved Testing Accommodations.  Then under "Test Selection", choose "Fingerprint".  Follow the prompts from there.

Once your application has been reviewed and approved from the state of Utah (you may not be notified which means you may have to go to the Sircon website and regularly check-up on the status), you can now go and download (and save) your license.

In order to download your license, you will need your original confirmation number (you should be able to find this in an email that Sircon sent to you after you completed your application)

Click HERE to print your license from Sircon.  Enter your Confirmation Number and Social Security Number.  If your license is approved, there is a small icon to the right that you can click.  It'll then pull up your license and you can right-click on it to save it to your computer.

BEFORE you complete Step 3, make sure to THOROUGHLY REVIEW STEPS 3-9 in order to understand the full process and expectations for having an active life insurance license!!!!!!

When you feel you understand steps 4-9, you are now ready to complete your WFG Agent Agreement.

Step One: Go to the WFG Launch page website (this will be the last time you will use this website!!!). Register for this site and login.

Step Two: Select the blue "View Process" button in the "Licensing" box

Step Three: Select the red "WFG Agent Agreement" hyper link in the upper right-hand corner.  Click on the red "Start Agent Agreement" button. 

• This process will cost $40 in order to register and activate your life license with WFG. 
• You will also need your state life insurance license number in order to verify it in the WFG system.
• This step will ask if you want to complete your Transamerica Life Company appointment process.  Make sure to select "yes".

Step Four: Upon completion, text your SMD (or trainer) to let them know that you have completed your Agent Agreement so that the SMD can go in and approve your application and send it off to WFG for final review.

Step Five: During this step, it's a matter of being patient and waiting for WFG to approve your application.  This can be quick or it can take some time (depending on WFG's workload).

Once you are approved, you should get an email welcoming you to the company. On occassion, the email may not get auto-generated.  Similar to when your life license was under review with the state of Utah, we would encourage you to regularly check whether you can officially login to WFG's main website.  You should be able to login with the same credentials that you  were using for the WFG Launch website (WFG Agent # and current password).

Here is WFG's main website (www.mywfg.com).  Save this for rest of your career 

Agent Agreement Process Flow Chart

The WFG Platform connects your business to top-tier technology and resources.  The Platform Fee provides WFG agents with business support, training and access to well-known product providers you need as you grow your business to your vision of success. The mandatory monthly fee is $15 for all licensed agents.  In order to avoid extra charges, this needs to be set up as a recurring payment.

www.mywfg.com > Administration > Fees & Payments > Platform Fee

More Information: WFG Platform Brochure

Next up, set up your direct deposit.  WFG is not in the business of mailing out checks.  If you want to avoid a mailing fee then you will want to sign up for direct deposits.

www.mywfg.com > Menu > Administration > Boss Electronic Forms > Direct Deposit Authorization Agreement Form - US

Complete the Depository Form. You will need the following information:

• Bank name
• Bank phone number
• Bank address
• Routing number
• Account number 

The Anti Money Laundering Course is a required course before you can can write business.  The AML consists of study material and a final exam in order to satisfy the requirements.

• AML COURSE = $9.95

Step 1 -  You will need to complete the AML course through Kaplan.  Here are the steps to access Kaplan through WFG:

www.mywfg.com > Menu > Licensing & Appointments > Licensing > Continuing Education > "Anti-Money Laundering (AML) " (This is under the Kaplan Financial section)

Step 2 - Scroll down to the white Anti-Money Laundering (AML) box.  Select the blue hyper link "SELECT YOUR ANTI-MONEY LAUNDERING (AML) STATE >>"

Step 3 - Choose your state under the Insurance CE (includes AML and LTC) box

Step 4 - Scroll down to the section titled "Individual Online Courses" and select the option "Anti-Money Laundering".  This will expand this option.  Hit the green "SELECT" button on the right (verify the price is $9.95). Once you have selected the course, click on the green button (right above your "SELECTED" button) that says "ADD 1 COURSE(S) TO CART".

Step 5 - Choose the "PROCEED TO CHECKOUT" button and proceed.

Step 6 - After you have checked out, you can access your course from the homepage.  In the big, blue image, you will see a darker blue button titled "ACCESS YOUR COURSES". Select that and you are now ready to study and pass the AML.

IMPORTANT - Upon completion of your AML course you will see a certificate.  Save a copy of this to your computer just in case you need it.  Generally, Kaplan notifies WFG that you completed the course, however, on occasion it does not. By having a copy of this certificate, you have the ability to email it in if needed.

Congrats on completing your AML.  This the most time consuming process of finishing your licensing and company appointment process.

What is E&O (Errors & Omissions) Insurance?

E&O insurance is professional liability insurance that protects you and your business against claims made by clients for inadequate work or negligent actions. 

Who Requires E&O?

WFGIA and its product providers require E&O insurance coverage to do business with them as a licensed agent.

Who Is Required To Purchase E&O Through Marsh?

All agents who have an active license must purchase E&O insurance. 

How much is E&O insurance?

The cost of E&O is dependent upon license type and can be paid on a quarterly or annual basis. See the table below for full pricing info.

How do I sign up for E&O? 

Click HERE when you are ready to sign up for your E&O.  Type in your WFG agent number and email address and it should automatically pull up your required coverage based on your licensing status.  Select between an annual or quarterly auto draft option.  There is no financial benefit to doing annually so choose the option that makes the most sense for you.

If you have any specific questions, contact Marsh at (800) 380-0451

Frequently Asked Questions (FAQs):

If I Do Not Have An Active Appointment Will I Still Be Required To Purchase E&O Through Marsh?

Yes, if you have an active license you are required to purchase E&O insurance.

There Are Two Payment Options Available (Quarterly Or Annual). Are There Any Other Options?

Not at this time. A one-off annual payment or quarterly installments are the only options available now.

If I resign from WFG does E&O automatically terminate?

No.  You must contact Marsh to cancel your E&O coverage.

More Information: E&O Insurance: Benefits of Coverage

Step One: Life Insurance Company Appointments:

www.mywfg.com > Menu Licensing & Appointments > Appointments > Carrier Appointments > Life and Disability Insurance > "Non-New York Life and Disability Carriers" 

Companies to appoint with:

1. Transamerica Life Insurance Company - TLIC (P00401) - This should have been completed during step 3 (completing your WFG Agent Agreement).  If not, you will want to do this option 

       2. Pacific Life (P00127) 

       3. Nationwide (PM0100)

Step Two: Annuity Company Appointments:

1. Go to the AMS (Annuity Marketing Services) website (www.amsfsg.com)
2. Complete the registration process by clicking the "REGISTER HERE" link below the login button
3. Go back to the homepage and login
4. Click the green button labeled "FIXED INDEXED ANNUITIES"
5. Choose the "CARRIER CONTRACTING & TRAINING" button 
6. Click the small "I agree" button (only if you agree of course ha ha).  This will take you to the SureLC site.
7. Register for the SureLC website
8. Go back to AMS and click on the "I agree" button, then review and accept the "policies" (there are two of them)
9. Complete all sections under the "My Profile" section on the left-hand side that have a yellow dot (signifying that there is still outstanding information needed)
10. You will need to:

• Upload a PDF copy of your E&O Certificate.  You will need to enter information from this certificate in order to satisfy the requirement.
• Upload a PDF copy of your insurance license
• Identify your NPN number (national producer number - click HERE to look it up)

   11. Once the "My Profile" section is complete, you are now ready to submit your annuity appointment requests.  Below the "My Profile" section,

             you will see the "Requests" option under the CONTRACTING section.

   12. Choose the "Create Request" option

   13. Select which provider you want to get appointed with.  Start with the following providers:

• Nationwide - Annexus
  • Select "Contract"
  • Upload a copy of your AML certificate
  • Follow Steps
• Global Atlantic (Forethought Life Ins. Co.)
  • Select "Contract"
  • Follow Steps

IMPORTANT !!! Before you can submit business, you must complete product-specific training for any product you are going to write.   Click HERE for the list of products and the link to complete the training

In order to get text message updates regarding your business (news & announcements, license status, points, recruits, commissions, recognition, etc.), you will first need to turn notifications on.

Step 1: At the footer of any page on the MyWFG website, click on the option titled "My Profile".

Step 2: On the left-side menu, choose "Text Messaging".

Step 3: Choose areas you would like to receive notifications and then submit