Getting Contracted

Contracting is quick and easy at Fidelity & Guaranty Life. We need you to complete eight core documents so we can begin to accept your business and process your commissions:

1. Producer Agency Form
2. EFT ACH authorization
3. W9 – IRS tax identification
4. Copy of your current resident insurance license
5. Copy of CE continuing education certifications for states that require prior to solicitation
6. Copy of annuity suitability CE certification
7. Copy of current Errors & Omission coverage
8. Copy of your Anti-Money Laundering training certification.

Producers and Agencies may obtain the contracting forms needed from the sections below, an independent marketing organization (IMO), managing general agency, or one of our field representatives.

 Agent Appointment packages must be signed and submitted by your up-line and/or Master General Producer (MGA).

 Questions? Contact us by phone 800-445-6758 or email.

The Producer Agency Form must be completed by all individuals, principals, agencies, and/or corporations who wish to be contracted. The top section of the form should be completed by the appointing agency and/or IMO so we accurately capture your organization hierarchy (Find an IMO). The person or entity applying for the contract should fill out the middle section called Producer/Agency Information.

Please note that by signing the contract request form you are certifying that all of the information provided on the form is true and correct. In addition, you acknowledge that you have received, read and will comply with the company’s:

• Code of Ethical Conduct
• Market Conduct Guide
• Insurance Producer Agreement

The bottom section of page 1 is to be completed by the appointing agency. The name of the agency, agency contract code, approved compensation level and signature of the immediate up-line is required and dated.

Authorization to run producer/principal background review on the second page of the Producer Information Form is to be read and signed by the producer/principal of the entity being contracted. According to state regulations and our internal market conduct program, we are required to run background reports. We also complete a Vector One debit check balance inquiry which identifies any outstanding debt with other insurance carriers.

Questions? Contact us by phone 800-445-6758 or email.

To pay commissions, we need a completed Form W-9 for tax purposes. We also need a signed Electronic Funds Transfer (EFT) authorization to send commissions to your bank account. The Form W-9 requires basic information about business and place of doing business. In order to send commissions, we need both the completed EFT authorization and a voided check.

Questions? Contact us by phone 800-445-6758 or email.

Requirements vary from state to state. We require copies of the following five items to complete the contracting process:

1. Current resident license
2. CE continuing education certifications for states that require prior to solicitation
3. Annuity suitability CE certification
4. Errors and Omission coverage
5. Anti-Money Laundering training certification

Fidelity & Guaranty Life pays full cost of your appointment and renewal for producers who actively submit business. Please know the exact requirements for the states in which you do business. In particular, be aware of:

• Sensitive States - States have guidelines on whether or not an agent can solicit business prior to appointment date. States that have restrictions are designated as “sensitive states” and consist of Alabama, Iowa, North Carolina, District of Columbia, Louisiana, Pennsylvania, Georgia, New Mexico and Utah.
• States with mandatory E&O coverage requirements: Alabama, Massachusetts, Rhode Island, Kentucky, and Mississippi.
• Mandatory License for Overrides - Agents are required to be appointed by Fidelity & Guaranty Life Insurance Company in those states that they solicit business, both a resident and a non-resident license. Non-resident licensing is required for any overrides, which are paid in: Alabama, Louisiana, New Mexico, South Carolina, Florida, Mississippi, New York, Utah, Kentucky, Montana, Pennsylvania and West Virginia.
• General Continuing Education requirements - Insurance companies are to confirm that all Continuing Education requirements are fulfilled prior to agents soliciting business for certain states. FGL will not process agent appointments in these states until the current Continuing Education Certificate has been received. In addition, FGL will not accept new business until the Continuing Education requirements have been received for the appointment to be processed. These states are California and Iowa.(For additional information on Continuing Education requirements, please visit our Training page.)
• Annuity Suitability Certifications - Fidelity & Guaranty Life will not process agent appointments or accept new business until we have received the current Annuity Suitability Certification. Training can also be done online on our website via SuccessCE. A list of states and their Annuity & Suitability requirements can be found on our website. Any business received prior to the completion of the required courses will be returned. (For additional information on Annuity Suitability Certification, please visit our Training page.)

Federal regulations require that you provide proof of completion of Anti-Money Laundering training. Fidelity & Guaranty Life Insurance Company/Fidelity Guaranty Life Insurance Company of New York has partnered with LIMRA and SuccessCE to make these courses available online. Once registered, be sure to fully complete each training course. Certifications can be submitted by:

Fax:	410-895-1029&
Email:	contractingandlicensing@fglife.com
Mail:	Fidelity & Guaranty Life Insurance Company 1001 Fleet Street, Baltimore, MD 21202

Questions? Contact us by phone 800-445-6758 or email.

Each state handles the appointment process differently, so our turnaround times for appointment can vary. For a better sense of how your state operates, please review our Appointing Agents State Specific Requirements and Turnaround Time document for details. You will also find the approximate turnaround times for states to receive the appointment paperwork, process it, and send confirmation back to Fidelity & Guaranty Life in the document mentioned above.

To make the process go as quickly as possible, make sure all forms are completed, the information is legible, and all parties have signed the forms.

Questions? Contact us by phone 800-445-6758 or email.

Once we have received all of your fully completed, signed forms, and have conducted the mandatory background checks, we will set you up in our system. You will receive a welcome letter that contains your agent number, a PIN, and logon instructions for our agent website, SalesLink.

 Questions? Contact us at 800-445-6758 or contractingandlicensing@fglife.com.

FGL considers ethics and compliance integral to the way we do business. To complete the contracting process, you signed an acknowledgment that you read and agreed to abide by three core documents:

• Code of Ethical Conduct
• Market Conduct Guide
• Insurance Producer Agreement

As a company, we are committed to treating our customers fairly and ethically. The Code of Ethical Conduct makes that commitment by the Company and its employees. We expect our producers - the individuals and firms authorized to sell and distribute our insurance products - to share this commitment. The Market Conduct Guide provides a framework for meeting regulatory responsibilities. Because of the complexity and frequent changes in regulation it is sometimes only a summary and does not provide definitive guidance. The Insurance Producer Agreement contains important terms and agreements regarding your business relationship with FGL.

Questions? Contact us by phone 800-445-6758 or email.