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Policy Change eDelivery Scenarios

Scenarios Policy Change Examples Documents in eDelivery Package eDelivery Process
1, Advisor and Policyowner are required to sign for eDelivery Types of change could include, but are not limited to:
 
  • Conversions
  • Option to Elect Individual Policies on Equimax Participating Whole Life and Universal Life policies
  • Exercising the Flexible Guaranteed Insurability Option (to an Equimax Participating Whole Life or Universal Life policy)
  • Policy change documents (Contract, Memo 335, etc.)
  • Illustration – if not signed at time of submission
 If an Illustration is included in the eDelivery package, this means that an eSignature is required.
 
The steps below will guide you through the eDelivery process:
 
  1. Log in using your passcode (advisor code for advisors, policy number or DOB for policyowners)
  2. The first document in every eDelivery will be the ‘eSign Disclosure Document’ which will need to be accepted in order to proceed
  3. Click ‘Accept’ at the bottom of the screen
  4. Review all documents within the eDelivery package and click on ‘Next’ to proceed to the next document
  5. The Illustration document should be the last document and will be marked as ‘Action required’
  6. A ‘Sign’ label will indicate where you are required to eSign
  7. Once you have eSigned, click on ‘Confirm’ to complete the eDelivery process
2. Advisor and Policyowner are required to accept eDelivery Type of change could include, but is not limited to:
 
  • Smoker to Non-Smoker changes
  • Policy change documents (Contract, Memo 335, etc.)
 If there are no documents which require eSignatures, the advisor and policyowner are only required to accept the eDelivery.
 
The steps below will guide you through the eDelivery process:
 
  1. Log in using your passcode (advisor code for advisors, policy number or DOB for policyowners)
  2. The first document in every eDelivery will be the ‘eSign Disclosure Document’ which will need to be accepted in order to proceed
  3. Click ‘Accept’ at the bottom of the screen
  4. Review all documents within the eDelivery package and click on ‘Confirm’ to complete the eDelivery process
3. Advisor is required to review eDelivery documents only, Policyowner is required to accept eDelivery Type of change could include, but is not limited to:
 
  • Decreases
  • Policy change documents (Contract, Memo 335, etc.)
 If the policy change request is submitted directly by the client, the advisor will not be required to accept the documents and will be listed as a reviewer only.
 
The policyowner would follow the steps in Scenario 2. The steps below will guide the advisor through the eDelivery process:
 
  1. Log in using your passcode (advisor code for advisors, policy number or DOB for policyowners)
  2. The first document in every eDelivery will be the ‘eSign Disclosure Document’
  3. Click ‘Next’ at the bottom of the screen to proceed to the next document
  4. Once all documents have been reviewed, click on ‘Finished’ to complete the eDelivery process