Advisor guide
to Modern Life

Modern Life sends secure emails using a provider called SendSafely. Any email messages, attachments, or both the message and attachments you receive from Modern Life may be encoded using SendSafely.

To get setup, you will be invited to create a username and password the first time you need to decode a message. After that, you will need to log in to read your messages.

Your billing information will be submitted to the carrier as part of your appointment paperwork so that carrier payments can be issued.

If you need to receive payments from Modern Life, you will receive an invitation via email to verify your payment information securely with our provider, bill.com.

Modern Life will use the W-9 form provided as part of your appointment paperwork to prepare 1099 forms for federal tax purposes. 1099 forms are sent via email by February 1st.

Modern Life uses SureLC to complete and send carrier appointment paperwork. This is optionally included as part of the advisor onboarding packet to ensure the fastest possible process.

If you submit your appointment information as part of onboarding, Modern Life will stage it in SureLC and send you an invitation to review and sign so you don’t have to enter the information there.

If you have used SureLC before, or just prefer to create your own account, you can use our new account link to create a new username and password in our portal. Your personal information will pre-populate to your new username and password if you have used SureLC before.

Once you have set up your account you can use this existing account link to access and manage your information at any time, including submitting new carrier appointment requests.

After you have submitted your information, you will review and sign the information in SureLC.

If all information has been completed, you can request new appointments, or our our case management team can put in the request for you to review and approve.

Requirements are dictated by carrier, and there may be additional questions or document required for certain appointments. SureLC will notify you of any required fields that are not yet answered.

The following are required:
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In order to get the most accurate underwriting assessment, clients ideally should be prepared to provide the following information:
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This guide details which information carriers will need before you actually get started with your eApp or dropticket.

Reference this document for information that should be included in the optional fields area. It is recommended that you enter in the additional information such as Modern Life’s GA code on submission in order to prevent tracking and commission issues.

If asked, please select that the GA should order all items instead of the carrier. You are welcome to choose your vendor of choice for parameds

Commissions may be paid by the carrier, Modern Life, or a combination of the carrier and Modern Life.

A typical carrier payment schedule is within 10 business days of the policy’s inforce date, and Modern Life returns any additional commissions within 10 business days of the carrier’s payment.

The commission schedule included and signed with your onboarding package contains a summary of commission rates for the carriers and products available, although there may be some additional availability and rates not listed: please contact us at commissions@modernlife.com if you would like a full commission rate spreadsheet.

Modern Life uses Ramp for payments. Once Modern Life issues an override payment, you will receive emails from Ramp with your statement, invitations to add your ACH details, and status updates. You do not need to create an account with Ramp to receive payment; this account is an optional tool for your company to keep track of receivables.
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If you are looking to update carrier payment information, please do so in SureLC. We are available to help you submit this information and/or contact the right carrier representative if you have any questions