Transamerica — FE Express e-App Guide

1. 1
   make sure that you select the proper state for the APPLICANT. NOTE: If you are licensed in the applicant's state but do not see the state as an option, you will need to contact Transamerica to update your licensed states for the Express product. Many agents who are appointed to sell Immediate Solutions had to manually call to update their states for the Express Solutions. Pivot to Immediate Solutions.
2. 2
   click on the "Agent Number" box and select your agent number from the drop down.
3. 3
   on the "Select a Product" box, FE Express will be the only product to select.
4. 4
   click on the SAVE LICENSE AND PRODUCT INFORMATION button.

1. 1
   confirm that all information is correct in the "License and product information" box. Click "Edit" if you need to make changes.
2. 2
   in the "How are you interacting with your client?" box, choose if you are in-person physically with the client or if you are doing everything over the phone. Virtual would be ZOOM. NOTE: We will use PHONE for this tutorial.
3. 3
   enter the applicant's general information. Name must match their driver's license or ID. A valid EMAIL will be needed.
4. 4
   click on the SAVE PROPOSED INSURED'S INFORMATION button.

1. 1
   confirm that all information is correct. Click "Edit" if you need to make changes.
2. 2
   enter the coverage amount that the applicant is applying for.
3. 3
   click on the START APPLICATION button.
4. 4
   on the next screen LETS GET STARTED, Ask the applicant if they consent to doing business electronically using the "Agent Script", then click YES to proceed. If NO, stop application.
5. 5
   click the CONTINUE button.
6. 6
   on the next screen REPLACEMENT DISCLOSURE, the applicant is asked if they are intending to replace an existing policy. Answer accordingly. NOTE: If a client is simply adding coverage, this does not apply as a replacement.
7. 7
   click the CONTINUE button.

1. 1
   confirm that all the previously entered information is correct, then fill in the rest of the general information.
2. 2
   click on the SAVE CLIENT INFORMATION button.

1. 1
   answer the questions regarding the applicant's health.
2. 2
   click the SAVE HEALTH INFORMATION button.

1. 1
   answer the questions regarding the applicant's Lifestyle.
2. 2
   click the SAVE LIFESTYLE INFORMATION button.
3. 3
   on next screen APPLICANT SIGNATURE NEEDED, choose how you will send the signature link (TEXT recommended).
4. 4
   verify the number is correct. Make edits if needed.
5. 5
   click YES if client consents. If not, stop application or pivot to email.
6. 6
   click the check box that reads I AGREE to agree that you have gained verbal consent from applicant to send signature via text message.
7. 7
   click on the CONFIRM AND SEND DOCUMENTS button.
8. 8
   on the next screen WAITING FOR APPLICANT SIGNATURE, you will be given instructions on each drop down tab below to help the client on their end. HOWEVER, you may use the following signature guide.

1. 1
   once the applicant has signed, click on the CHECK FOR SIGNATURE button to be directed to the next section. (NOTE: It may not verify the signature was completed right away. Wait a few seconds between)
2. 2
   on the next screen AGENT COMMISSION, confirm your details are correct. If there is a commission split between you and another agent, click ADD AGENT SPLIT. Both percentages must equal 100% combined (50/50, 75/25, 60/40).
3. 3
   click the ASSIGN COMMISSION button.
4. 4
   on the next screen confirm the commission percentage is correct. Click EDIT if changes are needed.
5. 5
   click the KNOWN FOR button to answer how long you've known the applicant.
6. 6
   click the RELATIONSHIP button to answer what your relation to the client is. NONE can be entered if it isn't someone you know personally.
7. 7
   click the CONTINUE button.

1. 1
   in the AGENT STATEMENT section, review the agent statement and application IF NEEDED and then click in the box that says CLICK TO ADD AGENT SIGNATURES. This will populate a fonted signature.
2. 2
   click the SIGN AND SUBMIT button.

On the CHECKING APPLICATION section, the background and medical check will be done. If the applicant is approved, you may proceed. If the applicant is denied, the appication will stop here. NOTE: It is recommended that you do not tell the client they are approved until the payment informatin is collected and application is submitted. If they are declined, you may save the sale by collecting the payment information and then say, "So [Client's Name], it looks like the application was sent to underwriting for further review. I will contact you tomorrow regarding the status of the application." Then attempt to put them with a guaranteed issue product.

1. 1
   in the APPLICATION SIGNATURE NEEDED section, choose the delivery method for second signature link. TEXT recommended.
2. 2
   confirm that the number or email is correct. Click EDIT if any changes are needed.
3. 3
   click the CONFIRM AND SEND DOCUMENTS button.

SIGNATURE GUIDE 2: At this point, say to the applicant,"Ok [Client's Name], I'm sending you another text with a link to review the application up to this point. Go ahead and click any check boxes that need to be checked and click on the box that says CLICK TO ADD SIGNATURE. Then I'll be able to add your beneficiaries and finish the application."

4. 4
   once the applicant has signed, click on the CHECK FOR SIGNATURE button to be directed to the next section. (NOTE: It may not verify the signature was completed right away. Wait a few seconds between)

1. 1
   verify that the risk class is the same as applied for. If you applied for level coverage, but the applicant was classed at GRADED due to health conditions found on the medical check. This will change the policy and the monthly premiums.
2. 2
   click the FINALIZE COVERAGE button.
3. 3
   on the next screen, click to select OPT IN TO AUTOMATIC PREMIUM LOANS. Description of the automatic premium loan will be found above.
4. 4
   click the CONFIRM COVERAGE button.

1. 1
   fill in the Primary Beneficiary's information. If there are additional primary beneficiaries, you may add them by clicking on "Add Beneficiary". No Contingent (Back-up) Beneficiary is allowed on this application.

Benefit Percentage. If there is only one beneficiary, put 100 as the percentage. If more than one primary, each percentage must equal to 100% combined. For example, if two beneficiaries, the percentage split must be 50/50. If three beneficiaries, the percentage split must be 34/33/33.

2. 2
   click the ASSIGN BENEFITS button.
3. 3
   in the next section, we will select a start date for the policy. Say to the applicant, “Now [Client’s Name], if you are approved for coverage, would want your coverage to begin immediately just in case?”. Choose PAY IMMEDIATELY or SCHEDULE PAYMENT based on their answer. If "Schedule Payment", enter the start date in the FIRST PAYMENT DATE box.
4. 4
   click the SAVE PAYMENT SCHEDULE box.

1. 1
   confirm details, then click on the SAVE BILLING INFORMATION button.
2. 2
   click BANK ACCOUNT or CARD as the payment method and enter information accordingly.
3. 3
   click the SAVE PAYMENT DETAILS button.
4. 4
   on the next screen, confirm details then click on the CONTINUE button.

1. 1
   in the AGENT SIGNATURE section, click the CLICK TO ADD AGENT SIGNATURE
2. 2
   click the CONTINUE TO APPLICANT REVIEW button.
3. 3
   click EMAIL or TEXT MESSAGE as the esignature delivery method. TEXT recommended.
4. 4
   click the CONFIRM AND SEND DOCUMENTS button.

As the agent, you should now see this screen after the client has successfully signed.