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Occidental FAQs

Occidental FAQs

Agent Appointments & Commissions

 

  1. How and where do I go to begin selling Occidental plans through Quotit?

A: In order to sell Occidental, you’ll first need to be appointed. Quotit provides full-service broker support for all of your carrier appointment needs. Go to Quotit – Occidental  and complete the "New Appointment" form to start the appointment process. Or for personal assistance, please call Quotit Broker Services at 844-961-9696.

 

  1. Is the appointment process 100% online?

A: Yes, once you submit your appointment form, it will take about three business days to be confirmed.   

 

  1. Are there costs to be appointed?

A: No; the carrier covers your resident state appointment fees.

 

  1. How long does it take to get appointed?

A: Agent writing numbers are typically issued within three business days upon submission of your online appointment form.

 

  1. How soon can I begin selling the Occidental Company plans?

A: Once your agent writing number has been issuedlog into your Quotit account and enter your agent writing number assigned by Occidental into the Application Setting page. Your writing number should begin with a “7” and is 6 digits long, all numeric characters. However, some agent numbers are issued as a 10-digit number with 4 leading zeros and then following the same format.

(Example: 756434 or 0000756434)

 

  1. Where do I obtain my writing number?

A: Occidental will send a welcome email that includes the agent writing number as well as information to access training aides, brochures and video links.

 

  1. If I am already appointed with Occidental Company would that appointment cover me for all products?

A: If it’s been more than six months since you’ve submitted any business to Occidental (American Amicable) please call Quotit Broker Services at 844-961-9696. We will ensure your appointment is up-to-date and/or assist you with any necessary paperwork.

 

  1. Who is eligible to enroll?

A: Applicants ages 18 to 60 are eligible to apply. 

 

  1. How do I enroll my clients?

A: Use Quotit to quote all CI plans. When you want to offer Occidental as an option, you may include only one person on the quote. If you have more than one person on the quote, Occidental CI will not return any plan options. You can only have one person on the application for Occidental CI.

 

  1. When do applicants become effective?

A: Coverage becomes effective upon approval of the application and collection of initial premium.

 

  1. What is my commission percentage?

A: If you have not already been issued a commission schedule, call Quotit Broker Services at 844-961-9696. Or, if you are contracted under an FMO, please contact them directly for details.

 

  1. Do I have to reach a minimum prior to my commissions being paid?

A: No

 

  1. How will my clients’ coverage be renewed?

A: Automatically

 

  1. Where do I go for support?

A: For questions related to using the Quotit platform, please call tech support at 866-478-6848 option 1,  or email us at customer.support@quotit.com.

For any questions related to Occidental products or your appointment call Quotit Broker Services at 844-961-9696 or email your question to contracting@ahcpsales.com.

 

     

    Product Features/Benefits

    1. What is the Lifetime Maximum policy limit?

    A: The maximum face amount is $100,000.

     

    1. What additional benefits are included in the plan?

    A: Provides a lump sum payment upon diagnoses of one of the following covered illnesses.  This benefit provides for 100% acceleration of the base policy face amount, not to exceed $100,000:

    100% COVERAGE

    • Heart Attack
    • Stroke
    • Cancer
    • Blindness
    • Terminal Illness
    • Kidney Failure
    • Paralysis
    • Major Organ Transplant
    • HIV contracted performing duties as professional healthcare worker

    10% COVERAGE

    • Coronary Artery Bypass Graft

    Accelerated Benefits Rider - Confined Care - included at no additional premium cost (where applicable)

    Chronic Illness Accelerated Benefit Rider – included at no additional premium cost (where applicable)

    Eligibility for Coverage

    1. How far in advance can an effective date be?

    A: For this product, we allow up to 60 days. 

     

    1. Are child only applications accepted?

    A: Yes, however the minimum issue age for a child to apply for the product is 18.

     

    1. Can an agent quote more than one person at a time?

    A: Some plans require per family member enrollment. Please see notice attached Occidental Notification

     

    1. What are the tobacco rules for Occidental?

    A: If the date of the last tobacco use is more than 12 months ago, do not add a last use date into the census form. If tobacco use is less than 12 months add the date of last use into the census form for the tobacco rating.

     

     

    Claims

    1. Grace period claims, are they paid without premium or suspended?

    A: Any unpaid premium(s) will be deducted from the benefit amount paid.

     

    1. How are claims submitted?

    A: Contact Occidental Life’s Claim Department.