Carrier Dual Appointment Pre-Appointment States
States E&O Coverage Required? Appointment Fees?
AIG Annuity No DC, GA, LA, MA, NC, OK, UT, VA N/A Yes None Allianz Life No/Transfer Required GA, HI, KS, KY, MT, NM, NY N/A KS & KY Only None American Continental None No. None American Equity No GA AL Yes Yes, non-residential American General Life Yes GA NY Yes Yes, Non-Residential Only American National No/Release and new contracting CA, GA, PA, SD, UT NY Yes None Americo Financial No KY, LA MS, NY Yes Yes, all non-residential Assurity No/Release and new contracting CA, GA, UT NY Yes Yes, non-residential AVIVA/American Investors - Annuity No GA, KS, LA, MN, NC, PA, UT Product Based Yes None AXA Yes. DC, GA, WA N/A Yes. Yes, non-residential. Banner Yes/Max 3 MD, WI MT, NY KS Only None Columbus Life No All states: pre-contract states. AK, NY Yes None Equitrust No/call EquiTrust per each agent. NC N/A Yes None Fidelity Life Association No/Release is needed within 6 months None MD, NY, NC, VT, WA & WY No None Genworth Life and Genworth Life & Annuity Yes GA, MT, NC, PA, WA NY KS & KY Only FCL pays 1st $60.00; this covers almost all states Genworth LTC/Genworth NY-LTC No/ Release is needed GA, MT, NC, PA, WA N/A No None Great American -LTC No GA, MT CA, NY Yes Yes, residential and non-residential Guardian Life/Berkshire Life- CT, NJ, NY Yes NJ, NY All others Yes No Hartford Life, The No/Release is needed FL, GA, NJ, PA, UT, WA. All other states contracting and new business MUST be dated the same date. N/A No None Illinois Mutual No GA, NJ, NC, PA, WA NY Yes None Indianapolis Life No/Release and contracting GA,KS, LA, MN, NC, PA, UT N/A Yes None ING USA Life & Annuity No NC, WA NY Yes None ING/Reliastar Life Yes GA- with in 10 days of appt. N/A Yes None Integrity/National Integrity No AK, DC,DE, ID, KS, KY,LA, MI, NE, NM, OK, SC, SD, TX, WA, WV, WY N/A No None Jackson National Yes All states, are pre-contract states. KY, WY ($75 affiliate fee) Yes None Jefferson Pilot No/Release letter needed GA, MT, NC, PA, UT, WA N/A Yes Yes, non-residential John Hancock/John Hancock USA Yes AL,GA, HI, ID, KS, KY, MT, NJ, NY, PA,UT, VT N/A Yes None Lafayette Life No/Release All states: pre-contract states AK, NY Yes None Liberty Bankers Life No GA, NC, NM, UT, WA AL, AK, CT, DC, HI, ME, MA, MN, NH, NJ, NY, RI, VT, WY Yes Yes, all non-residential Liberty Life Insurance No GA, KS, KY, LA, NC NY Yes None Liberty Mutual No/needs release WA N/A Yes None Lincoln Benefit Life Yes/Max 2 GA, NC, PA, UT, VA, WA UT, NY Yes Yes, after 4 states agent is non-resident in Lincoln National Life Yes GA, MT, NC, PA, UT, WA N/A KY Only None Mass Mutual- LTC Yes/Max 2 All states are preappointment. N/A Yes None MedAmerica No All states: pre-contract states. N/A Yes. Yes, all non-residential MetLife Disability Yes WA N/A No No MetLife Investors USA Yes GA, IN, KS, LA, MO, MT, NC, OR, PA, UT N/A No None MetLife LTC Yes/Max 2 CA, FL, GA, IN, KS, LA, MO, MT, NC, OR, PA, TX, UT, WA N/A No None Monumental Life No AR, CT, DE, GA, MI, NC, PA, SC, TX, WA, WI, WY ME, NH, NY, VT, WA Yes Yes, non-residential Mutual of Omaha No GA, MT, PA, WA N/A Yes None Nationwide Financial Yes GA, LA, MT, NC, UT, WA N/A No No, not for first time appointment. New York Life No N/A Yes None North American Yes/ Max 2 GA, PA AL, NY Yes Yes, non-residential Old Mutual Financial Life No/Release All states: pre-contract states NY AL, MS & KS Only None Pacific Life No LA, MA, NY, VT, WA, WV N/A Yes None Penn Treaty No DE, GA, KY, NM, UT FL, MA, MN, NE, NH, NC, VT, WI Yes Yes, residential and non-residential Petersen International Yes None RI No No Phoenix Life No No N/A No No Presidential Yes GA, KS, MT, NC NH, OR, VT KY & TN Only Yes, residential and non-residential Principal Yes AR, CA, CT, DE, ID, KY, ME, MA, MI, MS, MT, NE, NV, NH, NY, OR. SC, SD, VT, WA, WV, WI, WY N/A Yes None Protective No/Release and New Contracting GA, NC, PA, UT MS, NY Yes No Prudential Yes/Multiple GA, NC, PA, UT N/A Yes None Reliance Standard No NC, NM, PA, UT Yes None SBLI (Centrian Life- in CT only) No, release is needed if business submitted in past 12 months NC, PA, TX N/A Yes No Security Life of Denver Yes GA NY Yes None Standard- Annuity No AL, GA, MA, MT, NH, NJ, SD, TN NY Yes No Standard-DI No/New Contracting DC, GA NY Yes None Sun Life Yes/New contracting KY, NC, UT, WA NY Yes None Sun Life Financial (Annuity) No KY, WA N/A Yes None Transamerica Yes multiple when approved GA, LA, MT, NJ, NC, PA, UT NY- must use HI GA Yes Yes, non-residential Union Central Yes None, on fixed side. N/A Yes Yes United Home Life No None N/A No No United of Omaha Yes GA, MT, PA, WA NY Yes None US Financial Yes WA DC, NY Yes None West Coast Life Yes GA, NC, PA MS(non-residential), NY Yes None Western Reserve Life No AL, AR, CT, DE, GA, KS, KY, LA, MT, NJ, NV, NC, PA, SC, TX, UT, VT, WA, WI, WY. If agent is already appointed, NB and contracting MUST be dated the same date. N/A Yes None
New York Companies
Carrier Dual Appointment Pre-Appointment States
States not licensed E&O Coverage Required? Appointment Fees?
Allstate No No N/A Yes None Companion Life Yes No N/A Yes None First Sunamerica Life No Yes N/A No None Genworth Life Company of NY Yes No N/A No None ING USA Life & Annuity of New York No No N/A Yes None Lincoln Life & Annuity Company of NY Yes No N/A No None Old Mutual Financial Life of New York No Yes N/A Yes No Protective Life & Annuity Yes No N/A Yes None Reliastar of NY Yes No N/A No None Sun Life of New York Yes No N/A Yes No US Life Yes No N/A No None William Penn Yes Yes N/A Yes for GA; no for agent None
Contracting Summary 
