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 15th or 30th 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

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 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.

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.

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.

 

 

  • Commissions: Principal send commission statements via US Mail still – but agents can access them on site too. When Advisor Web Support grants access, they email the link to the agent directly.

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 Advisor Advantage 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

Special programs (VA and AA):


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

Ameritas

Assurity

Illinois Mutual

Mutual of Omaha

Principal

Standard

Petersen International (PIU), Exceptional Risk Advisors (ERA), International Disability Underwriters (IDU), and Fidelity Security

Please contact Truluma: underwriting@truluma.com


Policy Services and Increase Options

Contact us: PolicyServices@truluma.com

 

Future Increase Options – Fact Sheets and FAQ’s by carrier

Broker of Record Change – Fact Sheet

Claims – contact information by carrier: