You can trade paper delivery for speed, convenience, and accuracy, by issuing cases electronically via our EPD process PLAG.1181162 (03.19) For Financial Professional Use Only. Not For Use With Consumers.

Electronic Policy Delivery An innovative approach to life insurance policy delivery allowing all delivery requirements to be electronically fulfilled, as well as a copy receipts for paperless documents! Once a policy has been issued, electronic policy delivery will allow all delivery requirements to be electronically fulfilled in order to place a case inforce. It will also allow for copy receipts of documents to be downloaded and saved in a PDF format. 2 For Financial Professional Use Only. Not For Use With Consumers.

Electronic Policy Delivery Key benefits Electronic Policy Delivery (EPD) is a quick, easy and safe delivery method for life insurance policies There is no difference in the underwriting process Client can conveniently review their policy 24/7! Expedites policy delivery to your client All documents are safely stored on our secure website 24/7 The EPD process is an easy & safe delivery method to activate a client’s policy. It will not affect the underwriting of a client’s case in any way. Key benefits include providing a quicker delivery to your client, with 24/7 access!

Electronic Policy Delivery Getting started Available for the following products: Protective® Classic Choice Term Protective Custom ChoiceSM UL Protective Advantage ChoiceSM UL Protective Indexed ChoiceSM UL ProClassic IISM UL Select Electronic Policy Delivery when submitting an electronic or paper application EPD is eligible for both electronic and paper application submission. Available products include our Classic Choice Term as well as most UL products!

Electronic Policy Delivery Disqualifiers It is for a variable universal life policy It is for an annuity It will be a 1035 exchange The policy owner is a trust The owner and payer are not the same The case will be processed as payroll deduction The case will be processed through policy revisions There are a few key items that will disqualify a policy from continuing on to electronic delivery. For example, if the case is to be a 1035 exchange, or the policy will be owned by a trust, electronic delivery will not be allowed. Not available in New York

Electronic Policy Delivery Delivery options 1 Electronic delivery option defaults to BGA > Agent > Consumer for policy review. 2 Once underwriting is complete and the policy is issued, the BGA will receive an e-mail from epdagent@protective.com to review and approve the policy which releases it to the agent. 3 Upon the BGA’s release, the agent will receive an e-mail from epdagent@protective.com to review and release the policy to the customer. When electing to use the EPD process, the default delivery method will be from BGA to Agent to Client. This means, once a policy is issued, an email will be sent to the BGA to review and release to the agent. The agent will then be able to review and release the policy to the client, who may accept the policy electronically. Please note, if a BGA does not release the policy to the agent within 2 business days, it will auto release. If the agent does not release the policy to the client within 5 days, the policy will auto release again. The client will have 10 business days to accept the policy. At any point in the process, the BGA, agent, or client may request changes to the policy. 4 After the agent releases the policy, the client will receive an email from epdcustomer@protective.com. This will contain a link to our secure site to access their life insurance policy contract and related information.

Electronic Policy Delivery Best practices Agent provides client a copy of EPD consumer flyer Ensure client’s correct email address is provided during the electronic submission or on the EPD Election form The agent should advise the client to: Click on the link to our secure website Follow the online registration process Once your client is a registered user, online instructions will be provided The client will be asked to: Review each document and electronically sign if necessary Make the first premium payment online (if applicable) An important best practice is to ensure that the client’s email address is provided correctly on the application and/or EPD Election Form. The agent should advise the client to appropriately follow the registration process. Once registered, the client will be asked to review each document and provide an e-signature for confirmation.

Electronic Policy Delivery Completion The process is complete when the client has: Policy availability for BGA and Agent access: Reviewed each document Electronically signed any necessary forms Made online payment for their first premium payment (if applicable) Setup future payment information (if on monthly mode) Your client will have 10 business days to complete the EPD process To access your EPD Policy List, select the ‘Electronic Policy Delivery’ link under ‘My Business’. The policy and delivery requirements will be available to review or download for 20 days once the policy is in force. 20 Once the client has reviewed each document, electronically signed all forms, and provided premium payment, the policy will become inforce and activate. If the policy was issued on a monthly mode, the client will have the option to go ahead and set up reoccurring future draft information. After placement, the BGA and agent will have 20 days to download a copy of the policy and any necessary documents to keep for records.

Thank you Thank you for spending some time to learn about the EPD process!  

Important Information Life insurance is issued by Protective Life Insurance Company (PLICO), located in Birmingham, AL.