Doing Business with Truluma

Welcome to Truluma’s Advisor Resource page!

You will find information on Contracting, Appointments & Commissions, Quotes & Sales Support, Underwriting & New Business, and Policy Services & Increase Options.

We hope this site will help you and/or your assistants find resources and answer questions about the many different aspects of Disability Income protection however please feel free to reach out to anyone at Truluma for assistance.

Contracting, Appointments and Commissions

Contact us: Licensing@truluma.com

General information

How do I submit contracting paperwork?

Please go to Secure Upload

Pre-appointment

Most states and carriers do not require pre-appointment, but there are a handful of states that do require you be appointed prior to taking an application. Common pre-appointment states are: Michigan, Oklahoma, Pennsylvania, Wyoming depending on the carrier. If you’re writing in these states, check with us first!

State Licenses

Always make sure you are licensed in the state of the application you are writing. State insurance licenses must be effective prior to the sign date of the client application
Always make sure you have the Accident & Health or Disability line of authority on your state license prior to taking an application. The line of authority must be effective prior to the date of the client application.

Errors & Omissions coverage

Truluma and all carriers we represent require current proof of errors & omissions coverage.

Commissions

Commissions are paid from the carrier direct to you or your commission payee. Truluma does not disburse commissions.
Commissions from carriers we represent are paid as earned in the same mode as the client premium is paid. For example, if a client pays quarterly, commissions will be paid quarterly, and so on.
Commissions from most carriers pay on the 15^th or 30^th of each month. Carriers usually have a cut-off date that falls a few days before the commission pay dates.
All carriers we represent require direct deposit.
- Most of the carriers we represent offer online access to commission statements and do not mail copies: Assurity, Ameritas, Mutual of Omaha, Principal, Petersen International, Standard* – statements are emailed to the address the agent provides on contracting paperwork
- Fidelity Security, IDU, Illinois Mutual: do not offer online access at this time

Direct Deposit Forms

Appointment information, Access to carrier websites, and Commissions:

Ameritas

Appointment information: (the following information is sent to you by Truluma upon completion of your appointment): Go to ameritas.com. Click Industry Professional, Scroll down and click on Producer Workbench – Life Insurance, Annuities, Investments, Disability Income Insurance & Retirement Plans This will route you to a new page, click on “New Users – Registration Now”. Next, click on “Register” under Financial Professionals/Third Party Administrators for Retirement Plans. Accept the Terms of Agreement and then enter your personal information. When entering your agent number, only use the first ten digits (AG00000000). Our agency code is EN00001925.

Access to carrier website: (the following information is sent to you by Truluma upon completion of your appointment): Go to ameritas.com. Click Industry Professional, Scroll down and click on Producer Workbench – Life Insurance, Annuities, Investments, Disability Income Insurance & Retirement Plans This will route you to a new page, click on “New Users – Registration Now”. Next, click on “Register” under Financial Professionals/Third Party Administrators for Retirement Plans. Accept the Terms of Agreement and then enter your personal information. When entering your agent number, only use the first ten digits (AG00000000). Our agency code is EN00001925.

Commissions: Log on to the Producer Workbench and click on View Compensation. Ameritas does not mail or email commission statements.

Assurity

Appointment information: (the following information is sent to you by Truluma upon completion of your appointment): Your Assurity appointment through Truluma is complete and your agent code is CODE, effective DATE in STATE. Please include this number on all future policy applications before submission to our office.

Access to carrier website: You can register on AssureLINK using your agent code to access your commission statements and production reports at https://assurelink.assurity.com.

Commissions: You can register on AssureLINK using your agent code to access your commission statements and production reports at https://assurelink.assurity.com. Assurity does not mail or email commission statements.

Illinois Mutual

Appointment information: (the following information is sent to you by Truluma upon completion of your appointment): Your Illinois Mutual appointment through Truluma is complete and your agent code is CODE, effective DATE in STATE. Please include this number on all future policy applications before submission to our office.

MassMutual

Appointment confirmation: (the following information is sent to you by Truluma upon completion of your appointment). Your Mass Mutual DI contract and appointment through Truluma are complete. Your producer number is CODE, effective DATE in STATE. Please include this number on all future policy applications before submission to our office.
Commissions: Commissions are paid via direct deposit and commission statements are sent regular postal mail. MassMutual closes commissions on the first & third Tuesday of each month. Commission statements (as well as paper checks if you receive them) are mailed the following Friday. Direct deposit commissions should post the Friday following the commission close date.
Access to carrier website: At this time MassMutual does not have a site for appointed brokerage agents, but they hope to offer this feature in future enhancements to their site.

Mutual of Omaha

Appointment information: (the following information is sent to you by Truluma upon completion of your appointment): Your Mutual of Omaha DI/LTC contract and appointment through Truluma are complete. Your producer number is CODE, effective DATE in STATE. Please include this number on all future policy applications before submission to our office.

Access to carrier website: Please register at mutualofomaha.com/broker. You will need your producer number to register.

Commissions: Please register at mutualofomaha.com/broker for access to your commission statements. You will need your producer number to register. MoO does not mail/email commission statements. You can access your commission statement online. Click here for instructions

Standard

Portal Self-Registration Instructions

Appointment information: see attached document for instructions.

Access to carrier website: see attached document for instructions.

Commissions: statements are emailed to the address provided on your contracting paperwork.

Principal

Appointment information: (the following information is sent to you by Truluma upon completion of your appointment): Your Principal appointment through Truluma is complete and your agent code is CODE, effective DATE in STATE. Please include this number on all future policy applications before submission to our office.

Access to carrier website: Please contact licensing@truluma.com and we will work with Principal to grant you access to their website. To self-serve, you may also contact advisorwebsupport@principal.com.

Commissions: You will need a login and password to access commission statements. Principal will assign the login credentials and send them directly to you once you request access. Principal does not mail or email commission statements. * see Access to carrier website note above to request login credentials

Petersen International

Access to carrier website: If you already have a case with PIU, just let them know you are interested and they will set up your account and get you started. They can be contacted by email at producerzone@piu.org or call 800-345-8816.

Quotes and Sales Support

Truluma has a dedicated team of consultants to assist with all of your DI needs. We also offer a few special programs for those of you who don’t have the time to truly dive into the full DI process. Our Virtual Assistant and Planning Partners programs are specially designed to help Financial Advisors and Insurance Agents develop an income protection plan for your clients while allowing Truluma to take on most of the time-consuming aspects of the planning and underwriting process.

Contact us: Quotes@truluma.com

Online Quote Request

Click here to request a quote

Downloadable PDF

One-on-One consultation

Please view this page to view consultant

Virtual Assistant Flow Chart

Planning Partners Flow Chart

Underwriting and New Business

The following information will help you navigate the underwriting process in general, as well as provide helpful information and guides specific to each carrier.

Contact us: Underwriting@truluma.com

General:

Carriers