Carrier Dual Contracting Guidelines

If you have any questions or need more information regarding dual contracing, please contact [email protected] or call 800-876-3950, Option 4. *If you are securities registered, you may have carrier restrictions depending on your broker dealer.

Carrier Dual NOTES Contracting

AIG / AIG GIWL Yes AIG- Assured Edge, Power Select and No If business submitted recently release would be needed Western National Life AIG NY Yes (The US Life Ins Co in the City of NY) Allianz No If business submitted recently release would be needed

If business submitted recently release would be needed Allianz (Annuity) No *Depending on BDs selling agreement, agent's comp. will automatically be setup to pay to BD by the carrier. If business submitted recently release would be needed American Equity No *Depending on BDs selling agreement, agent may be able to have a FIA and FA agent code.

American National No If business submitted recently release would be needed Assurity Life No

If business submitted recently release would be needed Athene Annuity & Life No *Depending on BDs selling agreement, we can contract agent so all FIA pays directly to BD. AXA Yes Banner Yes Brighthouse ( Metlife) Yes Fidelity No If business submitted recently release would be needed Foresters No If business submitted recently release would be needed Genworth Life Yes Only contracting for AOR changes and conversions Genworth Life LTC No If business submitted recently release would be needed Gerber Life Yes Global Atlantic / Forethought Yes Carrier must approve first

2501 20th Place, Suite 300, Birmingham, AL 35223 Toll: (800) 876-3950 Fax: (205) 268-3949 W W W . F I R S T P R O T E C T I V E . C O M [5/19]

If business submitted recently release would be needed Great American No *Depending on BDs selling agreement, we can contract agent so all FIA pays directly to BD.

Guardian Yes

Integrity Life - (Annuity) No If business submitted recently release would be needed

John Hancock Yes

Kemper No If business submitted recently release would be needed

Lincoln National Yes Yes, for Life, Annuity and MoneyGuard

Minnesota/Securian Life (Life) No If business submitted recently release would be needed

Minnesota/Securian Life (Annuity) Varies FPs contract allows for dual contracting

Yes - Term and UL MOO/UOO Varies No - Term Life Exp, Living Promise, Health (LTC Med Supp, CI, DI and AD)

Nationwide Case by case

North American No Quit allowing dual contracts on 3/19/18

OneAmerica/State Life No If business submitted recently release would be needed

Oxford Life No If business submitted recently release would be needed

PacLife No If business submitted recently release would be needed

Penn Mutual Yes

Principal Life Yes

Protective Brokerage Yes

Prudential Yes

Reliance Standard No If business submitted recently release would be needed

Sagicor Life No If business submitted recently release would be needed

SBLI Yes

Standard (Annuity) No If business submitted recently release would be needed

Symetra Yes

Transamerica Yes

Transamerica LTC Yes

Voya - Security Life Yes

William Penn Yes

2501 20th Place, Suite 300, Birmingham, AL 35223 Toll: (800) 876-3950 Fax: (205) 268-3949 W W W . F I R S T P R O T E C T I V E . C O M [5/19]