1. TMK1536 0211 Top 5 Reasons Medicare Supplement Apps Pend TMK1536 0211

2. 1. Problem: Application incorrectly or not fully completed Solution: Make sure correct plan code is used as well as all questions fully answered and app signed where appropriate Top 5 Reasons Medicare Supplement Apps Pend

3. TMK1536 0211 2. Problem: Missing, incomplete, or incorrect forms submitted Solution: Review Compliance sheet for state where application signed, and verify correct, fully completed forms are submitted Top 5 Reasons Medicare Supplement Apps Pend

4. TMK1536 0211 3. Problem: Copy of Medicare ID card showing only Medicare Part A is active Solution: Make sure both Parts of Medicare are effective, if one Part recently applied for, indicate on application Top 5 Reasons Medicare Supplement Apps Pend

5. TMK1536 0211 4. Problem: Prior coverage info not complete/no letter of termination of coverage Solution: Provide the name of prior coverage carrier as well as start and end dates. If possible provide a copy of prior coverage carrier ID card. (Space to enter this information is under question 3a) Don’t forget letter of termination of coverage!! Top 5 Reasons Medicare Supplement Apps Pend

6. TMK1536 0211 5. Problem: Reason for voluntary/involuntary termination not answered Solution: Ask applicant and record answer on application Top 5 Reasons Medicare Supplement Apps Pend

7. TMK1536 0211 How long does it take for Med Supp business to issue? TMK1536 0211

8. Guarantee Issue with all documentation provided 2-4 business days from the time it is received at the Home Office. The issue date of a policy for the purpose of Recruiting Bonus is the date it is approved in Underwriting. From the time the app is mailed to the Home Office until the time the policy is received in the branch – 2-4 weeks depending on mail time Use FedEx Overnight Shipping with a tracking number. USPS Priority Mail is not overnight. How Long to Issue?

9. TMK1536 0211 Underwritten applications 7-10 days provided applicant answers QAC call Applications with missing information/underwriting requirements 29 days How Long to Issue?

10. TMK1536 0211 Via email from branchservice@torchmarkcorp.com How are BMs notified of Underwriting Requirements?

11. TMK1536 0211 Email contains: Applicant’s Name & Policy Number Agent’s Number and Branch List of underwriting requirements that are outstanding Branch Manager has 21 days to meet request or app will be closed Requested items are returned to BranchService@torchmarkcorp.com or Fax: 469-525-4210 (Alternate: 972-569-3678) How are BMs notified of Underwriting Requirements?

12. TMK1536 0211 Where do I check my Med Supp pending business? TMK1536 0211

13. TMKOnline www.tmkonline.net/logon

14. TMK1536 0211 To View Pending Business Click ‘Submitted/Inforce Business’

15. TMK1536 0211 To View Pending Business Enter Insured Name, Policy Number, Writing Agent Number

16. TMK1536 0211 To View Pending Business Click on Policy number to view Underwriting Notes

17. TMK1536 0211 Where do I check my Med Supp commissions? TMK1536 0211

18. To View Med Supp Commissions Click ‘Agent Statements On-Line’

19. TMK1536 0211 To View Med Supp Commissions Enter Agent Number to view both Month-end and Weekly Statements