Getting Contracted & Appointed
Discover a series of videos that highlight the incredible opportunity Symmetry Financial Group provides for agents at every stage of their career. Whether you're looking to understand the unique advantages Symmetry offers or seeking inspiration to build a meaningful career, these videos provide a comprehensive overview of what makes Symmetry a game-changer in the financial services industry.
Apply for License
NIPR.COM Is your friend!
Stands for "National Insurance Producers Registry".
NIPR makes it easy to apply for or renew licenses.
They provide cost-effective, streamlined and uniform licensing data
and compliance services for insurance professionals.
- Apply for your state insurance license.
- Track the status of your license application.
- Renew and manage your licensing records.
ANTI-MONEY LAUNDERING
AML Training
ANTI-MONEY LAUNDERING
What is it and Why do I need it?
AML Certification ensures individuals and businesses are trained to recognize and prevent money laundering activities. It involves understanding key regulations, identifying suspicious transactions, and following proper reporting procedures. This certification is critical for complying with global laws that fight financial crimes.
Why Carriers Require AML Certification for Contracting:
- Regulatory Compliance: Ensures adherence to legal requirements and avoids penalties.
- Risk Management: Reduces the risk of being unknowingly involved in illegal activities.
- Trust and Integrity: Builds trust with clients and regulatory bodies by ensuring proper practices.
- Due Diligence: Demonstrates that agents and contractors are educated in recognizing suspicious activities.
- Global Standards: Helps maintain consistency with international AML regulations.
Having AML-certified agents and contractors protects both businesses and clients, ensuring compliance and a commitment to integrity.
Which provider should I choose?
American Amicable and LIMRA
Symmetry Financial Group accepts AML training from various providers, including AmAm and LIMRA. They cater to different needs and offer unique features. Here's a breakdown of their differences.
What's the Difference?
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Scope and Applicability:
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AmAm AML Training:
- Offers AML courses accepted by various companies; however, acceptance depends on individual carrier policies.
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LIMRA AML Training:
- Ideal for agents contracted with multiple companies, as it satisfies AML requirements for most carriers.
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Cost:
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LIMRA AML Training:
- Often provided at no direct cost to agents, as many carriers cover the expense.
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American Amicable AML Training:
- Courses are typically fee-based, with costs varying depending on the specific course and state requirements.
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Click here for more information on each provider.
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ERRORS & OMISSIONS
Do I Need E&O Insurance?
Errors and Omissions (E&O) Insurance is a type of professional liability insurance that protects businesses and individuals from claims of negligence, mistakes, or failures to perform their professional duties. This insurance is typically needed by professionals who provide advice, services, or expertise, such as insurance agents, consultants, lawyers, and financial advisors.
Key Points About E&O Insurance:
- Coverage: It covers legal costs, settlements, and damages resulting from allegations of negligence or mistakes made in the course of providing professional services.
- Protection: It protects professionals from claims made by clients who feel they have suffered financial losses due to errors or omissions in the advice or service provided.
- Required by Some Carriers: Certain Carriers may require E&O insurance to ensure that professionals are covered in case of errors in their work.
E&O insurance helps mitigate the risk of lawsuits related to mistakes made while performing professional duties and provides financial protection in such cases.
The recommended amount of Errors and Omissions (E&O) insurance coverage is typically at least $1 million for most professionals. This coverage amount is considered a standard minimum because it helps ensure that professionals are adequately protected against potential legal costs, settlements, and damages resulting from lawsuits or claims made by clients.
Why $1 Million?
- Risk of Lawsuits: Even small mistakes or oversights in professional services can lead to costly legal battles. A $1 million policy provides a sufficient buffer against the high costs of defending against claims.
- Industry Standards: Many industries require professionals to maintain at least this level of coverage to comply with regulations, client contracts, or industry standards.
- Comprehensive Protection: A $1 million policy generally provides coverage for defense costs, settlements, and damages, ensuring that the professional’s financial stability is not compromised by a claim.
For businesses or individuals handling larger or higher-risk accounts, additional coverage beyond $1 million may be recommended to ensure adequate protection.
Hiscox E&O Insurance
They offer tailored options designed for small businesses, providing flexibility and industry-specific coverage
Travelers E&O Insurance
Emphasizes comprehensive risk management and customizable options, often providing good value for mid-sized businesses.
Calsurance E&O Insurance
SFG's sponsored program. They provide affordable coverage with robust protection against professional liability risks.
REQUEST CONTRACT
All Things Contract
- HEADSHOT: Email a headshot to your hiring agent to be used when you are being celebrated!
How to Get Contracted with Symmetry Financial Group
Follow these steps to join Symmetry Financial Group and take your first step toward a successful career in the insurance industry.
Step 1: Connect with a Representative
Contact a Symmetry Financial Group representative or agency owner to learn about the company’s mission, products, and opportunities. Attend an informational session or webinar to get started.
Step 2: Complete the Pre-Contracting Process
If you’re not already licensed, begin the pre-licensing process. Symmetry offers resources to help you complete state-specific licensing requirements. Be prepared for a background check.
Step 3: Submit Contracting Paperwork
Complete the Symmetry Financial Group contracting packet with your personal and licensing information. Ensure you have active Errors & Omissions (E&O) insurance before submitting your application.
Step 4: Carrier Appointments
You will automatically get appointed with our Core Carriers. After writing some business you can work with your upline to determine which additional carriers to appoint with.
Step 5: Access Symmetry Resources
Gain access to the Symmetry agent portal for training materials, sales tools, and marketing resources. Connect with your manager for mentorship and guidance.
Step 6: Complete Training
Begin the 10 Steps Training Program to learn everything from contracting to submitting business. Participate in webinars and workshops to enhance your skills.
Step 7: Write Your First Business
Use Symmetry’s lead generation system to find prospects. Apply the PS3 Method to engage clients, and submit your first application through the e-App system or paper forms.
Pro Tip: Stay connected with your manager and participate in weekly training calls to continuously improve your skills and grow your business.
Our Core Carriers
Our core carriers are the trusted insurance providers we work with to bring our clients the most reliable, competitive, and high-quality solutions. These carriers offer a range of products to meet diverse client needs, ensuring financial protection for individuals and families.
By partnering with these industry-leading companies, we are able to deliver exceptional value and peace of mind to our clients while helping you grow your business.
SureLC & Carrier Contracting Guide
Streamline Your Contracting Process with SureLC
Navigating the SureLC platform is essential for a smooth carrier contracting experience. Follow this guide to ensure profile setup, document submission, and contract requests are completed correctly.
Set Up Your Profile
- Register via your Welcome Email.
- Complete all profile sections (marked with red dots).
- Ensure your details match NIPR records..
Complete Key Sections
- Contact Info: Verify all details.
- Licensing & E&O Insurance: Ensure active status.
- Bank Info: Upload a voided check or bank letter for commissions.
- Signature: Electronically sign using your legal name.
Submit Contract Requests
- Go to the "Request" tab under Contracting.
- Select a carrier contract from the dropdown.
- Choose Standard or Transfer contract type.
- Review & Submit – processed via SFG Contracting.
📢 Important Notes
- 🔹 Check SureLC frequently for updates and outstanding actions.
- 🔹 Contract processing takes 7-10 business days once submitted.
- 🔹 Further carrier steps will be handled directly via email.
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