Contracting & Commissions

We Are Excited to Get to Work

Before we start submitting business, there are a few things that need to be completed. There is a contracting packet that must be completed and returned so we can organize your appointments with carriers. Please read through the Contracting Instructions, fill out the Contracting Packet and return it to

Anti-Money Laundering (AML)

Most carriers require AML to be completed every 24 months. The list below are the most widely accepted vendors carrier-wide.

Provider Course WebSite
FINRA AML-Retail: Variable Annuities and Variable Life Insurance
Insurance Training Associates Money Laundering and the Insurance Agent
Kaplan AML Training Program for Life Insurance Agents
LIMRA Stages of AML-AML For Insurance Review
QuestCE AML Regulations and Ramifications
RegEd AML CE course for Insurance
Sandi Kruise Training AML CE course for Insurance Agents and Brokers
WebCE AML for the Insurance Industry
Errors & Omissions Insurance (E&O)

E&O is very important in this industry. If you need to obtain E&O, please visit

Long Term Care & Annuity Sales

LTC sales require an initial 8-hour training, with a 4-hour refresher needed every 24 months. This training must be completed prior to solicitation on LTC products and/or LTC riders.

Fixed annuities require a 4-hour state-specific training and must be completed prior to solicitation of business. In addition, each carrier will have a product-specific training that will also need to be completed prior to solicitation.