Match your name and contact info across all portals, upload clean PDFs, answer carrier requirements quickly, and avoid using multiple emails.

Submit the request in HCMS or NLC and watch for carrier requirements. Don't see the carrier you want? Reach out to us: [email protected]

HCMS: [add link]

NLC: [add link]

Carriers pay you directly via ACH on their pay cycles. Set up direct deposit in each carrier portal.

Leads are purchased through Integrity LeadCenter. You choose product type, area, and budget, then auto-assign to yourself. Prices vary by type and market.

Common options: Aged internet, new internet, final expense, mortgage protection, call-ins, Facebook, Spanish, and local shared vs exclusive.

Best practices:

- Start small, track cost per sit and cost per sale weekly.

- Buy in the zip codes you can work today.

- Turn on auto-buy only for the types you can handle and pause when your calendar is full.

Login: https://leads.integrity.com/

Use the portal’s forgot-password and verify email.

Update each carrier portal and re-upload voided check if required. Confirm it also matches in SureLC and to prevent payout holds.

SureLC: [add link]

NLC: [add link]

Provide your trailing 90-day production, paid-placement rate, and persistency. Submit via your upline or admin per team policy.

Contact us if you have any questions: [email protected]

Check the carrier’s requirements tab, upload exactly what is requested, and note any due dates. If unclear, open a carrier ticket and add the ticket number to your notes.

Follow the carrier’s replacement rules, include required forms, and log the outcome in your CRM so future apps reflect accurate history.

Use this routing so you get the fastest answer:

- Training → Upline

- Policy issue (pending, requirements, claims, chargebacks) → Carrier

- Contract issue, changes, or questions → Admin

In-home kit:

- State ID, carrier writing numbers, iPad or laptop, hotspot, charger

- E-app logins, product cheat sheet, rate guide

- Client fact-finder, needs analysis, replacement form if needed

- Voided check capture, beneficiary info, Rx list, doctor info

- Leave-behind sheet and business cards

Virtual setup:

- Quiet location, headphones, stable internet

- Screen share ready with e-app and quoting tabs open

- PDF tool for signatures and a backup carrier packet if e-app fails

1. Update your resident license via NIPR or your state DOI. Your NPN stays the same.

2. Update address in NLC, HCMS, SureLC, and with every carrier.

3. Request new resident state appointments and terminate old state appointments if required.

4. Check CE rules in the new state and note any fingerprinting.

Adding a non-resident license:

- Apply on NIPR for each target state.

Tip: Keep one master list of states and appointment dates to avoid lapses.

Use a simple tracker with these fields: Client, Carrier, Product, App Date, Draft Date, Status (Submitted, Pending, Issued, Paid, NTU), Expected Pay Date, Actual Pay Date, Notes.

Expected Pay Date is usually the Draft Date plus the carrier’s pay cycle. Example: if a carrier pays on issue and drafts on Fridays, set Expected Pay Date = Draft Date + processing rule you observe.

Review weekly: move Pending with outstanding requirements to the top, and set reminders for draft dates and 30-day persistency checks.

Use XCEL’s Continuing Education FFL-exclusive portal to see your state’s requirements and approved courses.
CE link: Click Here

Set policy nurture reminders for draft dates, welcome calls, and 30-day check-ins. If charged back, contact the carrier to confirm reason and options, then create a recovery plan.

A chargeback is a commission reversal if a policy lapses or is rescinded. Reduce risk with clean apps, accurate replacements, truthful disclosures, and solid client follow-up.

Open a ticket with the carrier’s debt team, request a payoff or payment plan, and send proof once paid so vector removal can be processed.