How LAD Works for Brokers — Quote, Submit, Track, Get Paid

A walkthrough of the four steps from “client called me back” to “commission deposited.”

1. Quote

Open the LAD platform. Click New Quote. Enter your client’s age, premium, state, and product preference. We pull live rates from every carrier we represent and show them ranked side by side. Pick the right one and download a branded PDF proposal you can send to your client today.

For MYGA, you see guaranteed yield by year, surrender period, minimum premium, and any state restrictions. For SPIA and DIA, we calculate income across the carriers you have access to. For FIA, we surface caps, participation rates, and fee structure for your client’s situation.

When the rate environment changes, we update. The live rate page reflects current top MYGA yields across the carriers we represent — pulled from the broker platform.

See current MYGA rates

2. Submit

Once the client picks a product, you start a case. Client demographics and financial profile carry over from the quote. We capture suitability data once — you never re-enter it. Then we hand off to FireLight (the industry-standard e-application platform from Hexure) with everything prefilled. You and the client finish the application, e-sign, and submit. We get a webhook back the moment it’s accepted.

If the carrier needs supplements (replacement forms, illustrations, exchange paperwork), we surface them. If something’s missing, we flag it before submission so you don’t get NIGO’d a week later.

3. Track

Every case you submit lives on your dashboard with current status:

• Submitted — application sent to carrier
• In Review — carrier is processing
• Pending Requirements (NIGO) — carrier needs more info; we tell you what
• Approved — issued or about to be
• Awaiting Funding — premium not yet received
• Funded — money’s at the carrier
• Issued — policy is in force
• Paid — commission has been paid

Status updates flow automatically when the carrier supports it. When NIGO hits, you see exactly what’s missing — usually with a one-click resolution path.

4. Get paid

Every case has an expected commission attached to it. As the carrier pays the GA, you see status flip to Carrier Paid. You can download statements anytime.

Commissions are reconciled against the carrier statements automatically. If something looks off, we surface variance flags so we can chase them with the carrier together.

For trail-paying products, we track recurring commissions through the policy lifetime, including chargebacks if the policy lapses or surrenders early.

What we handle behind the scenes

You don’t see most of this, but it’s why the platform feels different.

• Contracting through SureLC — we manage your carrier appointments, license verifications, training requirements, and E&O tracking through SuranceBay’s SureLC platform. You apply once; we keep it current.
• Carrier appointments through LAD’s master network contract — gives us carrier access across the country. The list grows; we’ll tell you when new carriers come online.
• Compliance support — suitability capture, replacement disclosures, state-specific forms, and product training are tracked per case. If something’s missing, you’ll know before submission.
• Commission processing — carrier statements are imported, parsed, and matched to your cases. You see what was paid, when, and on what.

Ready to see it in action?

Apply to become a LAD Broker

We respond to every application within 24 hours. If you’re already appointed with carriers we represent, we can usually get you up and writing in under two weeks.