Agent Guide Booklet

7/30/2019 Agent Guide Booklet

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Agent Guide

Issued by Forethought Lie Insurance Company

ForethoughtFreedomSM

M6143-05 2012 Forethought0512FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS


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M6143-05 2012 Forethought0512FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS


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The Forethought FreedomSM Advantages .......................................... 2

Forethought FreedomSM Market ............................................................ 3

Forethought FreedomSM Product .......................................................... 4

Agent Responsibilities ................................................................................ 5

Getting Started.............................................................................................. 6

Completing the Application Part 1 ................................................ 8

Forethought Contact Inormation ....................................................... 13

Table o Contents

Completing the Application Part 2Medical Questionnaire & Underwriting Guide ......................... 10

6143-05 2012 Forethought0512FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS


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With Forethought Lie Insurance Company (Forethought) you can be

condent your clients security comes rst. For over a quarter century weve

been providing nal expense products. Forethought Lie Insurance Company is

a stable and secure nancial institution and is consistently rated A- Excellent

by AM Best. As our valued partner, we want to provide you the necessary tools

to positively impact the lives o the amilies and communities you serve. Theollowing guide was created to make the Forethought FreedomSM application

and underwriting interview process as easy as possible or you and your client:

Why Forethought FreedomSM?

Simplied application submission process

Comprehensie Underwriting Medical Conditions Guide

Medication Listing

Online, llable applications aailable in most states

Free supplemental benets

Accelerated Death Benet

Grandchildrens Benet

Accidental Death Benet

Forethought Uniersity Training & CE Opportunities

Access to both live and recorded webinars

Online continuing education through www.successce.com

Access to Online Reporting 24/7

Point-of-sale underwriting with most decisions in about 15 minutes

Product aailable in 48 states and the District of Columbia*

Low Premiums

Commissionable policy fee and commission adance for qualied agents

Access to the largest end-of-life assistance network of oer 5,000

Forethought Funeral Planning NetworkSM partners and retirementplanning tools viawww.orethought.com/planningtools

Forethought FreedomSM

Advantage

*All underwriting classes and supplemental benefts not available in all states.

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Market

Forethought FreedomSM appeals to individuals who do not want to burden their loved ones as they age. They

are hardworking individuals rom all walks o lie looking to maintain a sense o dignity and independence. Low

premiums, easy to understand policy language and a simple underwriting process combine to make this a prime

product or the ollowing:

The Silent Generation

Approximately 32 million people

Born from 19301945

Aerage median income of $25,000

Modest and conseratie

Seeking protection for their family

The Baby Boomer Generation

Approximately 77 million people

Born from 19451960

Aerage median income $42,000

Representing $1 trillion in annual spending power

Preparing for their retirement years



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Forethought FreedomSM is a whole lie insurance product designed to help your client cover the costs associated

with end-o-lie expenses. These include uneral expenses, medical bills, and other obligations that may occur

when the client passes away. In addition to being a simplied product, Forethought Freedom provides your amilies

with a unique value oering. Following are highlights o the benets oered with this product.

1 Not available in all states.2 Coverage may vary state by state. Not all

supplemental benefts are available in all states.3 Available to issue ages 50 through 70 only.

Coverage terminates on the policy anniversaryollowing attained age 75. Not available or all riskclassifcations.

4

Less any policy loans, premiums due, and atransaction ee. The policy terminates ollowingpayment o the Accelerated Death Beneft and cannotbe reinstated.Not available or all risk classifcations. May not beavailable during the frst 12 or 24 policy months.

5 All coverage under this beneft terminates on theearlier o the payment o one Grandchildrens Beneftor termination o the base policy or any reason.Grandchildren over the age o 18 at policy issuewill not be covered. Coverage or any par ticulargrandchild will end on his or her 22nd birthday.

6 Certain restrictions apply.


Product4

Funeral home nder

End-of-life planner

Retirement planning tools

Forethought FuneralPlanning NetworkSM

Forethought Planning Tools iawww.orethought.com/

planning tools

Access to Forethought Funeral

Planning NetworkSM

Oer 5,000 local and national funeral

and cemetery proessionals available

and committed to helping amilies

during their time o need

Additional Benets

Upon death of the insured,

beneciaries receive the ull

policy amount within 48 hours 6

Quick policy turnaround

Option of policy deliery to agent

or client

Point-of-sale underwriting process with

most decisions in about 15 minutes

Leel Death Benet

Graded Death Benet

Return o Premium Death Benet

Male/emale

Smoker/non cigarette smoker

(non cigarette smoker is defned as

not having used cigarettes in the last

12 months)

Example:

60 year old, nonsmoker, male

$10,000 face amount

Monthly APA premium Life pay: Full death benet

$45.00 annual premium x 10 = $450.00

Annual policy ee + 39.00

Annual premium $489.00

Monthly APA mode actor x 0.0865

Monthly APA premium $42.30

Monthly EFT ................................. 0.0865

Quarterly........................................ 0.2600

Semiannual ...................................0.5150

Annual ............................................1.0000

Lie Pay

Level ........................................................5080

Graded ....................................................5080

Return o Premium ............................5080

Issue Ages:

Underwriting Classes1:

Premium Calculation Example:

Premium Modal Factors:

LeelFull ace amount and SupplementalAccidental Death Benet available

GradedFull ace amount (percentage based) andSupplemental Accidental Death BenetavailableNon Accidental Death = Full ace amountonly (percentage based)

Year 1 = 30% of face amountYear 2 = 70% of face amountYear 3+ = Full face amount

Accidental Death = Full ace amount plusSupplemental Accidental Death Benet

amountReturn o Premium: Percentage based.Supplemental Accidental Death Benet notavailable

Non Accidental Death = Return oPremium (percentage based)Non accidental death

Year 1 = 110% of premiums paidYear 2 = 110% of premiums paidYear 3+ = Full face amount

Accidental Death = Full ace amount onlyNo Supplemental Accidental Death Benet

Death Benet:

$39.00 (commissionable)

Annual Policy Fee:

Min. Max.Leel $2,500 $25,000

Graded $2,500 $15,000

Return of $2,500 $10,000

Premium

Face Amounts:

Supplemental Benets1, 2:

Accidental Death Benet

This benet pays an amount equal to

the Face Amount, in addition to the

Basic Death Benet, i death is due to a

covered accident. This benet is availableimmediately 3

Accelerated Death Benet

Proides 97% of the base policy face

amount payout i a licensed physician

determines you have a lie expectancy

o six months or less 4

Grandchildrens Benet

Provides coverage or eligible

grandchildren ages six months up to

18 years old. The benet amount is

$5,000 or the base policy face amount,

whichever is lower, and will be paid

only one time. This benet does nothave a conversion privilege 5

FORETHOUGHT FREEDOMSM

PRODUCT HIGHLIGHTS

FORETHOUGHT FREEDOMSM

SERvICE HIGHLIGHTS



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Agent Responsibilities

Contracts andlicenses

Solicitation

Agentaccess and

communication

Authority o

agents

Market conduct

Policysubmission

Adertising

Rebating

Replacement

An agent must be licensed and contracted with Forethought and receie a

Forethought writing number, prior to soliciting business. Additionally, an agent

must be licensed and contracted with Forethought in all nonresident states beore

taking an application or insurance in these states.

Agents shall inorm their prospective client, prior to commencing a lie insurance sales

presentation, that he or she is acting as a lie insurance agent and inorm the prospective

purchaser o the ull name o the insurance company which the agent is representing

to the buyer.

Agents must not disclose any condential inormation to any unauthorized person or

entity. Without limiting the generality o the oregoing, condential inormation o

Forethought includes inormation regarding computer program processes, products

and rate setting, names and addresses and any other personal nancial or health

inormation o any o Forethoughts policyholders.

Agents are authorized to solicit applications or insurance on such plans as oered

by Forethought, to collect the initial premium, and to perorm such other duties as

Forethought may require.

Agents are not authorized to make, alter, or discharge policies or any other contracts

or Forethought, or to waive oreitures, grant permits, make extra rates or special risk,

or bind Forethought in any way.

Agents must remain in compliance with all applicable anti-money laundering laws

and regulations.

Agents should ax an application with a voided check to Forethought at

1-877-432-1646 or email to [email protected] .

Agents shall not use or authorize any advertisement, circular, company logo, news

release or other communication using Forethoughts name or our product names

(whether written, verbal, audio or visual) without prior written approval by us.

Agents shall not, under any circumstances, pay or allow, or oer to pay or allow any

rebate o premiums in any manner, directly or indirectly, and shall not violate any o

the laws relating to the subject o insurance o any state in which the agent may be

acting on behal o Forethought.

Agents will not, directly or indirectly, engage in any marketing activities with the

intent or eect o replacing in-orce Forethought Lie Insurance business. Should

such replacement activity take place, commissions will be adjusted according to

company rules.



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Agent requirementsAn agent MUST be assigned a writing numberbeore taking an application.

Application and initial payment requirements Use

the New Business Packet (NBP) approved or the statein which the application is signed. NBPs are availableat www.orethought.com. An original application orlegible axed application along with a copy o the initialcheck, voided check or savings deposit ticket and staterequired orms, including replacement orms, willbe accepted.

Application submission An original application or alegible axed application along with a copy o the initialcheck will be accepted. It is the agents responsibilityto mail the orm o payment immediately ollowing theunderwriting process. Any changes or corrections on theapplication must be initialed by the applicant. No errorscovered with correction fuid will be accepted.

Initial payment No agent or agency checks, CODs,money orders or cashiers checks will be acceptedor premium payment. Checks will be accepted asinitial payment on monthly Electronic Funds Transer(EFT). Howeer, the check will be oided and placedin the policy le and the owners initial paymentwill be electronically drated. Check payment is theonly option or annual, semi-annual, and quarterlybilling modes. FLIC will attempt to secure premium

a second time when the rst attempt is returned orinsucient unds. FLIC will not be responsibleor oerdrats.

Insurable interest Policyowners and beneciaries musthave an insurable interest in the lie o the insured. Thismeans they have a relationship by blood, marriage, orwould suer nancial loss i the insured dies.

Insured consent ALL applications must have theconsent and signature o the applicant. I the applicantsigns with an X or the signature is not legible, we

require the applicants signature to be witnessed bysomeone other than the agent.

Replacement We will permit external replacementsas long as the replacement is in the best interest o theclient and the appropriate state replacement orms aresubmitted with the application.

Policy Applications must be dated the day theapplication is completed. Only applications that aresigned within the preceding 30 days o receipt at the

processing location are processed. Coverage is noteective until the initial premium has been depositedand the policy has been issued. It may take up to 30days to process special EFT dates. The procedure or anapplicant to request a special drat date will be allowed

up to 30 days rom the day the application is signed.I you take advantage o this option, you must list therequest on the application.

Commissions Commissions are paid seven daysater the rst drat. The rst drat is determined bythe date requested on the application. Policy ee iscommissionable.

Backdating The procedure or an applicant to saeage will be allowed up to six months. I you takeadvantage o this option, you must include all additionalback premiums required.

Policy re-dating is not allowed.

Reinstatement Policy reinstatements are allowed upto 3 years rom the Paid To Date with ull payment opremium to bring policy current.

Underwriting The underwriting is based on theanswers to the health questions on the application,MIB data, IntelliScript pharmacy data and a telephoneinterview. I conficting inormation is received romMIB, the client may be asked to contact MIB or a copy

o their disclosure report and to orward the reportto Forethought. In cases where the client eels theinormation upon which our underwriting decisionwas made was incorrect, we are willing to reviewthe Proposed Insureds medical records.I you would like a case to be reiewed, pleasecontact the Underwriting Department [email protected] or 1-888-606-6372and well be happy to assist you in determining theappropriate source rom which we would requiremedical records.

These underwriting tools are used to help ensure prompt,accurate and consistent underwriting decisions. OurNew Business/Underwriting associates are aailableto answer any questions regarding eligibility and weencourage all agents to utilize them whenever theremay be an area o uncertainty. You may reach themby calling 1-888-606-6372.

Hours: Monday Friday, 8:00am 5:00pmeastern

Getting Started6



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All Proposed Insureds will be required to completea phone interiew with Apptical, Inc. (Apptical),Forethoughts chosen nal expense interiewer.The telephone interview is used to conrm and reviewhealth inormation. Apptical will also perorm an MIB

and IntelliScript prescription medication data basesearch. It is imperative that all Proposed Insuredscomplete, sign and date the application and a HIPAAauthorization prior to contacting Apptical or thephone interview.

1. Beore scheduling the phone interview, the sellingagent must complete the application and allrequired documents. I the applicant does notspeak English, Apptical will provide an interpreter.

2. Our preference is to hae the agent complete the

phone interview with the client at the point o sale.You may do so by calling Forethought/AppticalInterviewing at 1-800-737-6972 directly rom theapplicants home during the ollowing hours:Monday Friday, 8:30am Midnight easternSaturday & Sunday, 10:00am 8:00pmeasternPlease call using a land line. It provides more claritythan a cell phone.

3. I you choose not to initiate the phone interview atthe time o sale or your sale is being written outsidenormal business hours, the telephone interview willbe ordered by the Home Oce when the applicationis received. For this reason, it is essential that you

indicate the applicants phone number and best timeto call.I the applicant does not have a numberwhere we can contact them, they will need tocontact us at 1-800-737-6972 within ve workingdays o completing the application.

4. Also, telephone interviews can be scheduled orapplicants that cannot be reached during normalbusiness hours by calling 1-800-737-6972.

Telephone interviews are recorded and saved oruture reerence.This is critical in the event thatthere is ever any dispute over the manner in whichthe medical questions were originally answered onthe application.

All completed, signed and dated applications and

authorizations must be sent to the Home Ofce,regardless o the underwriting decision.

Forethought must receive the application within14 days o completion o the telephone interviewregardless o the underwriting decision.Due to compliance and legal implications o nothaving the required documentation or our les,agents who ail to submit the application andHIPAA authorization orm in a timely mannerwill be subject to corrective actions, up to andincluding termination.

Health Insurance Portability and Accountability ActThe Health Insurance Portability and Accountability Act of 1996 (HIPAA) combats waste, fraud and abuse in theinsurance industry. HIPAA guidelines have specic disclosure requirements that prohibit unauthorized persons romviewing or receiving condential medical inormation. As a result, strict HIPAA regulations prohibit us rom divulgingor discussing, with the agent, any medical inormation obtained during underwriting. HIPAA Authorization to ReleaseCondential Medical Inormation orm number A7080-01-HIPAA must be completed as part o the applicationprocess. This must be submitted or all applications.

Medical Inormation Bureau, Inc.

The Medical Inormation Bureau (MIB), Inc. is a membership association o lie insurance companies. The primarymission o the MIB is to provide an alert to its member insurance companies against omissions and raud. This helpsMIB member companies to protect their interests and leads to cost savings that can be passed on to the insuranceconsumer.

The authorization sections on the application authorize Forethought to access the MIB and to obtain any necessarymedical records on the Proposed Insured during the underwriting process. All necessary signatures must be on theapplication at the time o submission or the application will be returned. Please note that the MIB is used as an alert.Actual underwriting decisions are not based on MIB inquiry results alone.

Getting Started

6143-05 2012 Forethought

0512FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS


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Completing the Application Part 1

*2-Part Application Process Now Aailable

The objective behind the 2-part application is to simpliy the application process or both the agent and the

consumer by improving the application fow and eliminating repetition o the medical questions by having them

handled solely by our underwriter, Apptical, during the interview process (where allowed). Following are2 options available to complete this process:

1. 2-Part Process Agent completes and submits Part 1, and all required documents in NBP, with wet

signatures; Apptical completes and submits Part 2 with voice signatures

2. Traditional Process Florida Only. Agent completes and submits the entire application with wet

signatures; Apptical does only the phone interview or underwriting purposes

Simplied Application Submission Process Oeriew

The agent will complete Part 1 of the application, and all required documents, with the proposed insured

and then will contact Apptical to complete the phone interview

Apptical will complete the phone interiew which includes asking all medical questions and

completion o Part 2 o the application (where allowed)

If your client does not agree to oice signature of Part 2, then you must complete Part 2 with client and submit

Medical Information Bureau (MIB) and prescription database checks will be completed and point-of-sale

underwriting decisions will be rendered where possible

Upon completion of the interiew, the agent will submit the parts they hae compiled (minimum Part 1),

o the application, and all required documents, to Forethought and Apptical will submit Part 2 o theapplication to Forethought except in the situations identied above where the agent must complete Part 2

Forethought operations will match up the application parts as receied and complete the entry

o the applications

Part 1 Questions: To be completed by Agent.IMPORTANT NOTICE: Order and appearance o questions may ary on state-specic applications.

Please print legibly

1. PROPOSED INSURED:

Include Proposed Insureds First Name, Middle Initial, Last Name, Sex, Date o Birth, Age, State o Birth, SocialSecurity Number, Citizenship, Mailing Address, Residential Address (i dierent rom Mailing Address), City,

State, Zip Code, Occupation, Phone Number (home), Phone Number (work), and E-mail Address. Answer yes

or no to have you smoked cigarettes in the last 12 months?

*Not available in all states.

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Completing the Application Part 1

2. OWNER (Complete only if the Owner and Proposed Insured are dierent). Owner must hae aninsurable interest:Include Owners First Name, Middle Initial, Last Name, Sex, Relationship to Proposed Insured, Social SecurityNumber, Citizenship, Mailing Address, Residential Address (i dierent rom Mailing Address), City, State, Zip Code,Phone Number (home), Phone Number (work), and E-mail Address

3. BENEFICIARY INFORMATION (Beneciary proceeds will be split equally i no percentages are provided):Primary First Name, Middle Initial, Last Name, Age, Relationship to Proposed Insured, Social SecurityNumber, Percentage

Contingent First Name, Middle Initial, Last Name, Age, Relationship to Proposed Insured, Social SecurityNumber, and Percentage

4. INSURANCE PLAN INFORMATION:Plan o Insurance Check Level Death Benet, Graded Death Benet or Return o Premium

Billing Mode Check Annual, Semi Annual, Quarterly or Monthly EFT

Face Amount List amount o insurance applying or

Initial Premium Select a payment plan and list the amount o the initial premium. Agent or agency checks,CODs, money orders and cashiers checks will not be accepted for premium payment

5. BANK DRAFT AUTHORIZATION I payment is drawn rom a checking account, attach a voided check. Idrawn rom a savings account, provide the account number, routing number, bank name and phone numberor verication. We will drat a second time or each NSF transaction

6. REPLACEMENT INFORMATION Both questions must be answered. I question 2 is answered yes, provide thename, ace amount, and policy number o current coverage and submit the state specic replacement orm

7. ELIGIBLE GRANDCHILDREN (to be covered by Grandchildrens Benet) Include Grandchildrens FullName and Date of Birth. Only natural or legally adopted grandchildren of the proposed owner are eligibleor coverage

8. FRAUD WARNING/NOTICE Review with applicant as needed based on state o issue. State required noticesare outlined

9. AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION Review with applicant as needed. Thisauthorizes Forethought Lie Insurance Company to obtain protected health inormation

10. AGREEMENT Proposed Insured, Owner, and Licensed Agent signatures, dates, city and state are all required

11. AGENT DECLARATION AND SIGNATURES To be completed by the licensed agent meeting with theproposed applicant



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Medical Questionnaire andUnderwriting Guide Part 2

Part 2 Completing the Medical QuestionnaireTo be completed by Apptical. I your client does not agree to oice signature

o Part 2, then you must also complete Part 2 with client and submit

PROPOSED INSURED: Include Proposed Insureds First Name, Middle Initial, Last Name, Date o Birth, Mailing

Address, City, State, and Social Security

HEALTH QUESTIONS Have the Proposed Insured answer yes or no to the ollowing:

1. Height in eet & inches. Weight in pounds

Any yes answer to questions 2 through 5 will result in a Decline

2. Do you require assistance in perorming the Actiities o Daily Liing (ADLs) o eating, bathing, toileting,

transerring or dressing or are you conned to a wheelchair?Does the Proposed Insured need assistance

rom any individual, skilled or unskilled, amily or proessional?

3. Are you currently:

a . Hospitalized or conned to a bed, nursing home, psychiatric acility, receiving home health care or

hospice care or are you currently incarcerated?

b. Receiving kidney dialysis, chemotherapy or radiation, or using oxygen equipment to assist in breathing

(other than or sleep apnea)?

4. Hae you:a. Been medically diagnosed as having a lie expectancy o 12 months or less?

b. Had a heart, lung, liver or kidney transplant or has one been recommended to you?

c. Within the last 12 months, been advised to have any medical procedure, diagnostic test or surgery

that has not yet been done or which the results have not been received?

d. Been diagnosed or treated by a medical proessional or Acquired Immune Deciency Syndrome

(AIDS), AIDS Related complex (ARC), or tested positive or Human Immunodeciency Virus (HIV)?

This may vary slightly by state.

5. Hae you been medically diagnosed, treated or, adised to hae treatment or, taken medication,

or been prescribed medication or:

a. Alzheimers disease, dementia, chronic memory loss?b. Lou Gehrigs disease (ALS), kidney or liver ailure, or end stage kidney disease?

c. Congestive heart ailure or cardiomyopathy within the last 24 months?

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Any yes answer to questions 6 through 8 will result in a Return o Premium

6. In the last 12 months hae you been medically diagnosed, treated or, adised to hae treatment or,

taken medication or been prescribed medication or:a. Coronary artery disease, heart attack, angina, heart surgery (including bypass, angioplasty and stent

placement) or heart valve replacement?

b. Stroke or transient ischemic attack (TIA), carotid artery surgery or aneurysm? Transient Ischemic

Attack may also be defned as mini strokes. An example o a procedure to improve circulation to the

heart or brain would include, but not be limited to: angioplasty, coronary artery bypass grating (CABG),

or a carotid endartectomy.


taken medication or been prescribed medication or:Been medically diagnosed includes the act or process o

determining the nature o a disease by examination and the opinion derived rom such an examination by a medical

doctor or hospital. Been treated includes taking prescription drugs or the ollowing medical conditions, with theexception o prescription drugs to control diabetes. Treated or includes ollow up treatments or amputated limbs,

toes and digits related to amputations necessary to treat diabetic conditions.

a. Any internal cancer, brain tumor, leukemia, melanoma, Hodgkins disease or other lymphoma,

cirrhosis o the liver or alcohol or drug dependency?

b. Diabetes with complications including, eye or kidney disorders, diabetic coma, insulin shock or

amputation due to disease?

8. Do you hae diabetes in combination with a stroke, TIA, or heart disease (including heart attack and

heart surgery):have you had multiple strokes, TIAs or heart attacks, or do you have heart disease with

a history o a stroke or TIA?




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Any yes answer to questions 9 through 12, will result in an ofer o Graded Coerage


taken medication or been prescribed medication or:

a. Coronary artery disease, heart attack, angina, heart surgery (including bypass, angioplasty and

stent placement) or heart valve replacement?

b. Stroke or transient ischemic attack (TIA), carotid artery surgery, aneurysm or any irregular

heartbeat, such as atrial brillation (including a pacemaker or debrillator)?

c. Depression, bipolar disorder, schizophrenia or other psychosis?

d. Parkinsons disease, multiple sclerosis or chronic hepatitis?

e. Emphysema, chronic obstructie pulmonary disease (COPD), asthma or chronic bronchitis?

Chronic Obstructive Pulmonary Disease, also known as COPD, is any orm o severe respiratory disease. The use o

oxygen will result in a decline. The ollowing are additional conditions that are considered COPD:

Pneumoconiosis(BlackLung,FarmersLung)

Asbestosis

Silicosis

Bronchietasis

PulmonarySarcoidosis

ActiveTuberculosis

Histoplasmosis

Nocardiosis

10. Do you hae diabetes that has required insulin treatment within the last 5 years?

11. In the last 12 months, hae you had a seizure or conulsion?

12. Hae you been hospitalized 2 or more times in the last 12 months or any reason?

AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION AGREEMENT Review with applicant as needed

AGREEMENT Proposed Insured Signature, Printed Name, Examiner/Interiewer, and Date needed. Depending

on process chosen to complete application, Examiner/Interviewer will be Agent or Apptical


2



15/16

ONLINE SERvICES:

Access product inormation, service details,

commission and policy reports, and other

valuable inormation by logging on to

www.orethought.com.

UNDERWRITING:

To complete phone interviews o the health

questions, contact Apptical at 1-800-737-6972.

All other questions or status email

[email protected]

AGENT SUPPORT SERvICES:

Call 1-888-606-6372 or assistance with product

sales, commissions, and agent contracting.

Submitting a new business application:

Fax to 1-877-432-1646

Email to [email protected]

FORETHOUGHT MAILING ADDRESSES:

Forethought Freedom

Attn: New Business

P.O. Box 148

Batesille, IN 47006

Oernight Deliery

Forethought Freedom

One Forethought Center

Batesille, IN 47006

SUPPLY ORDERS:

Order your supplies online at

www.orethought.com.

Email your order [email protected]

or processing.

Contact 1-888-606-6372 or assistance with placing

the order.

CLIENT SERVICE CENTER:

Clients may access specic policy details through

our customer service via phone or email.

Phone: 1-888-606-6372

Email: [email protected]

Forethought Contact Inormation



16/16

Forethought Lie Insurance Company

Administrative Ofce

One Forethought Center

Batesille, IN 47006

Phone: 1-888-606-6372

Email: [email protected]

www.orethought.com

Forethought FreedomSM is unded through the purchase o whole lie insurance rom Forethought Lie Insurance Company,

Indianapolis, Indiana. Depending upon payment plan selected, death benet may vary up to the rst three policy years. A

representative who may also be an agent o Forethought Lie Insurance Company can answer any questions you may have.

Documents

Agent Guide Booklet