Please contact your B&A Sales Consultants for any questions.

Case Declined > Face Amount Less Than $250,000

If Face Amount Less Than $199,999 ► Ability to Run Your Own Quotes
Instructions: 1) Calculate rate with the Final Expense Quote Engine. 2) Get appointed with carrier. 3) Submit E-Application.

Guaranteed Issue Solutions – No Underwriting | Graded Whole Life (Ages 40-80) and Accidental Death (Ages 18-60)
No Term Solutions Available

Graded Whole Life Quotes

Ages 40 – 80: $10,000 – $40,000

Simplified/Guaranteed Issue Option for Great Western Life, AIG, and Underwriting Information.  [Download PDF]

Final Expense Quotes

Loading Quotes

Final Expense Quote Engine
Gender: Male Female
Tobacco Use: Yes  No
Face Amount:

• Reminder: If you can answer no to 4 health questions you get a 25% bonus in Death Benefit with Great Western Life.
• Great Western Graded Policy is not available in the state of Washington.

Begin Contracting & Application! *must be pre-appointed to submit e-app

Please note: Case management on these cases will come directly from the carrier and not OCI. You must get contracted with carrier before you can get access to and submit an e-app.

Are you or the agency owner contracted with OCI? 
If yes, please continue.
If no, please click on the Getting Set Up With OCI link. 

• You must be ready to submit business and we will only get you contracted with the carrier you are ready to submit business to.
• There is time and money involved in getting contracted with carriers. Carriers will require business to be submitted in the first 30-45 days or they will cancel your appointment.

1. You must get contracted with the carrier before getting access to e-app.

Click Here to start the Contracting process

2. After you submit this form, you will receive an email within 2-3 days from the OCI licensing department to get contracted with the carrier.

• The email you receive will contain step by step appointment instructions.

3.  See below for the expected turn around time to finalize contracting with that carrier.

• AIG: 7-10 business days
• Great Western Life: 7-10 business days

AIG Application Link
E-App Instructions

(Once e-app is completed and e-signed, the average processing time is 48-72 hrs.)

• E-App only.
• Must get contracted before getting access to e-app.
• Getting contracted: Click here to get started.
• Electronic App Questions? Call 877-399-7747 option 4.

Great Western E-Application Link

• Must get contracted before getting access to E-App.
• Getting Contracted: Click here to get started.
• Once the appointment is completed (you’ll receive an email from GWIC) Click Here.
• Click request new profile (this is an instant registration).
• E-App:

Select my enroller online.
Note: Difference in plan options:
Assurance Plus: Option is you can answer no to the 3 underwriting questions.
Guaranteed Assurance: Option if you answer yes to one of the 3 underwriting questions.
Underwriting questions:

• Electronic App Questions? Call (800) 733-5454 option 1, option 2.

Effective 9/1/2020: Due to service-related issues with Gerber Life, we will no longer be accepting new business for this carrier.

Accidental Death (Ages 18-60)