Carrier	Dual Appointment	Pre-Appointment States	States not licensed	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