
Pre-appointment States:
E&O Insurance: Not Required
States where a licenses is required for over ride commissions: MT, NM, SD, VA
Phone interviews may be required depending on the Age of the client and policy face amount. Check each product's underwriting guide for more information.
Phone interviews: Call Apptical at 1-877-351-1773 M - F | 8:30am - 2:00am EST, S& S | 10:00am - 10:00pm EST
Additional resources, such as applications, can be found by visiting the carrier's website and accessing its agent portal once you have completed the contracting process.
Your compensation depends on your commission level with HFN, the product you're selling, the age of your client, and sometimes the state you're selling it in. Contact your manager and the carrier if you have questions about your commission for a certain product.

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