Accendo Final Expense Administrative Sales Handbook

Accendo Final Expense

Administrative Sales Handbook

Individual Whole Life Insurance

Underwritten by Accendo Insurance Company, part of the

CVS Health? family of companies and an Aetna affiliate

Effective date: 6/17/20

For agent use only. Not for public use or distribution.

?2020 CVS Health Inc.

Introduction

Section 1

Revised: October 21, 2020

Accendo Life Insurance

Part of the CVS Health family of companies and an Aetna affiliate.

1. Introduction

Table of contents

Key terms

Table of contents

Use the quick links on this page to jump to specific sections.

Helpful hint: If you¡¯d like to search for a specific term, just press Ctrl+F.

1. Introduction

4. Compensation

Table of contents

Compensation overview

Key terms

How we pay

Commission

2. Agent Experience

Initial sales

Renewal sales

Making it easy to do business

Advance commissions

Agent communications

Agent secure website

Online tools and reporting

Chargebacks

Unearned commissions

Agent Services team

3. Licensing, Contracting and

Appointment

Contract types

7. Policyholder Experience

Policyholder services

Sending us documentation

Withdrawing or canceling an

application

How termination affects

compensation

Changing an effective date

Changing a Bill Date

Reinstatement

Canceling a policy

How to order your sales supplies

Refund guidelines

Using our logo

Policyholder claims

6. Submitting Business

Checking appointment status

Before completing an application

Member secure website

Correspondence preference

Power of attorney

Completing the application

Agent terminations

Hierarchy changes and transfers

Choosing an effective date

Signature date

Initial draft date

Know your bill date

Telesales

You can always access the latest version of this guide on .

Content subject to change to ensure compliance with Accendo Life Insurance requirements.

To the extent there is any conflict between the descriptions in this guide and the terms of your

contract with Accendo Life Insurance , the terms of the contract control.

For agent use only. Not for public use or distribution.

6/17/20

Reasons we¡¯ll close an application

Online tools for policyholders

Contracting quick reference guide

3

Underwriting

1099 forms

5. Marketing Materials

Contract and demographic

changes

Table of contents ?

New business processing

Free-look period

Initial contracting

Appointment

Pre-appointment states

Background check

Net billing

Replacements

Assignment of commissions

The contracting process

Payment methods

Accendo Life Insurance

Part of the CVS Health family of companies and an Aetna affiliate.

Continued

1. Introduction

Table of contents

Key terms

Key terms

Take a minute to review key terms and acronyms below, which are used in this guide or other communications in

addition to other key terms in your Accendo Life Insurance agreement.

Accendo Insurance

Company

Accendo Insurance Company is part of the CVS Health family of companies, and an Aetna affiliate.



Your website for Accendo Life Insurance information:

Downline agent

A person or entity whose contract connects to one or more uplines; or a licensed-only agent.

Licensed-only agent or LOA

Any licensed insurance agent who is either employed by or under exclusive contract with an upline to sell or refer insurance

products for the upline.

Telephone Consumer

Protection Act (TCPA)

A federal consumer privacy statute enacted in 1991. It regulates and restricts the use of automated technology to call mobile

phones. The statute applies to outbound telephone calls, including voice messages, prerecorded or artificial voices, SMS text

messages and faxes (i.e., telemarketing).

Termination without cause

This Agreement may be terminated for any reason or no reason, at any time, by either party, upon written notice to the other party,

which notice shall be provided no later than 15 days prior to the termination date.

Upline

A firm, agency, organization or person with downline agents.

We (and other first-person

pronouns)

Your team at Accendo Life Insurance . We¡¯ll also use other pronouns here, like ¡°our¡± and ¡°us.¡±

You (and other secondperson pronouns)

You, the reader. We¡¯ll note if a topic is specific to upline partners, writing agents or downline agents only. Sometimes we¡¯ll use other

pronouns, like ¡°your.¡±

Table of contents ?

4

For agent use only. Not for public use or distribution.

6/17/20

Accendo Life Insurance

Part of the CVS Health family of companies and an Aetna affiliate.

Agent Experience

Section 2

Revised: October 21, 2020

Accendo Life Insurance

Part of the CVS Health family of companies and an Aetna affiliate.

 ................
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