LAD is a brokerage general agency for licensed agents working with fixed annuities and life insurance. Review verified information, organize case records, and confirm the responsible next step. Carrier access, appointments, products, and timelines vary by state and carrier approval.
Confirm carrier, product, state, and appointment availability with the LAD team before presenting or submitting a case.
Confirm the evidence, workflow, and responsible person before deciding whether LAD fits your practice.
Review the applicable carrier and product commission schedule before contracting or placing business. Actual compensation varies by agreement, product, state, and carrier.
Ask about compensation records →Create quotes, organize client and case records, and review recorded commission data in one authenticated workspace. Carrier-connected automation varies by integration.
See how it works →Confirm the named contact, service boundary, and escalation path for the intended relationship before work begins.
Read LAD's operating principles →Use the workspace to organize records while carrier materials, decisions, and statements remain the controlling sources.
Review only rate records that pass the applicable source and freshness checks. Confirm product, state, licensing, and appointment requirements before client use.
Create a structured case record and keep the relevant details together. Confirm the carrier's required forms, suitability process, and authorized submission channel for the case.
Record case status and outstanding requirements in the dashboard. Automated carrier updates vary by integration and carrier.
Record expected and received commission details for reconciliation. Signed schedules and carrier statements remain controlling.
When approved source data is current, LAD shows its last-updated date here. Missing or stale rate data stays hidden; confirm all product details before relying on a quote.
When the parties proceed, use the authorized contracting process. Each carrier controls its own review and appointment timeline.
Provide the requested producer and business information without including client personal information.
LAD reviews the producer's licenses, states, intended business, and operating requirements before proposing a next step.
If the parties proceed, complete the required producer information through the authorized provider process. Consent is required before any PDB report retrieval.
Each carrier reviews the request on its own timeline. Record the carrier-confirmed result and any additional requirements.
Once the required appointment is active, confirm product and state availability before presenting or submitting business.
Use the appropriate inquiry route and do not send client personal information through ordinary email.
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