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E application Submission

The E-Application is a process that helps eliminate paper applications and allows you to complete the full application online via electronic signatures and submission to the carriers.

 Lincoln National * Nationwide * Prudential * Securian * US Life

Non NY Carriers:  American General * John Hancock * North American * Principal * United of Omaha * Symetra         

Please note: “All permanent coverage will require an illustration and must be uploaded to the E-APP.                                                                          A Signed illustration is required before issue. Please contact our sales area for assistance with the illustration.”

CLIENT REFERENCE PIECES

PRINCIPAL ONLINE PART B


DROP TICKET

SUBMISSION

Drop Ticket  is a multi-carrier digital platform that allows you to compare rates from these eleven insurance companies on the IU website:

American General * American National (ANICO) * BANNER * Centrian (SBLI in CT) * John Hancock * Pacific Life -Promise  * Protective * Prudential * SBLI * William Penn

You can then “drop a ticket” submission to apply for Insurance electronically.

This process requires telephone interview with the insured and allows the carrier to schedule any necessary age/amount requirements.

Effective 9/30/2021 – Business cases ONLY! 

Principal Drop Ticket process is required for all non-NY term applications 3M and below. – Business cases only!

(Paper apps will NOT be accepted, except for NY business cases.)

IMPORTANT

IMPORTANTDROPTICKET@INNOVATIVEUNDERWRITERS.COM must be indicated in the required contact email section of submitting office.

Drop Ticket Progress Screen
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Innovative Underwriters, LLC works with a variety of insurance carriers. Any product guarantees expressed in a carrier’s policy/contract are backed by the claims paying ability of the issuing carrier and/or its named subsidiary. Innovative Underwriters is a licensed insurance agency in AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Products may not be available in all states and product features may vary by state. Products may be subject to underwriting. Coverages, benefits, exclusions, and rates depend upon the policy that is issued. This Internet site may provide links to other sites for your convenience in locating related information and services. Innovative Underwriters does not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Innovative Underwriters cannot make any representation or warranty as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this Internet site or incorporated herein, and take no responsibility therefore. Innovative Underwriters does not recommend or endorse these organizations or their products or services in any way. Neither Innovative Underwriters, nor its, agents or employees give tax or legal advice. You or your client should consult with your tax or legal advisor regarding your individual situation. This Website Is Intended For Agent/Broker Use Only And Not For Use With The General Public.

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