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1. Complete HCMS

Look for an email link to complete HCMS

*1st Email from Support HCMS Subject Line “Family First Life (FFL) – Onboarding for New Agent” (Search Email for this)

HCMS (Hierarchy Compensation Management System) onboarding email. Please make sure to bookmark the login page for easy access in the future: HERE. If you have not filled out your information yet, please do so; NPN and SSN.

HCMS is FFL’s internal agent management system. HCMS will include your hierarchy, compensation, writing numbers and eventually your downline agents.

The first step is to verify and edit all personal details. Please ensure that your name appears exactly as it does on your insurance license, edit your email address, phone, SSN as needed and you must input your NPN/NIPR Number if you want to be contracted and paid by the carriers. Double check that your upline and compensation level is correct as these will be used for contracting with all carriers. If you have questions, please contact me.

*2nd Email from Support HCMS Subject Line “Family First Life (FFL) – Onboarding Completed” (Search Email for this)

This email will take you back to your HCMS account where you can verify that all of the information you entered in the previous step is absolutely correct. If you see any errors, please contact me.

*3rd Email from Support HCMS Subject Line “Family First Life (FFL) – Contracting Process” (Search Email for this)

This email will take you to your SuranceBay (Sure LC) account. This is where all your contracts with the carriers will be requested and managed. If you have previously used SuranceBay, please change your password upon entry and verify that the affiliation at the top of the screen shows FFL America. If it does not show this, please let me know before you proceed.

If you do not receive the link for Surancebay/SureLC within 48 hours after sending in your info to your manager, please reach out to me and I will resend it. It will sometimes end up in the spam folder.

2. Complete SureLC (check your email)

  • Look for an email link to Surancebay, to setup your contracting profile.

  • Please complete AML training, purchase E&O (see Step 3), and upload banking information.

  • Notify Susan Surancebay has been completed & you would like to request Aetna, Foresters, Transamerica, Prosperity 

  • Complete the contracting requests that you will be receiving in Surancebay. You will need to complete this process per carrier and Confirm/Apply Signature, which will change it to BGA status (Broker General Agent). This means corporate will now send these to the carriers. If it does not show BGA status you need to complete the contracting request.

  • After 2-3 days of contracting request showing BGA status it should go to Carrier Status. This is when you will need to start calling the carriers you submitted contracting requests with and ask for a “Contracting status update”


  • A email link to apply for Prosperity (this will get you a underwriting number in about 48 hours, and you can work)

  • Select Commission payments (9 months in advance)

  • Look for an email link to apply for Prosperity (this will get you a underwriting number in about 48 hours, and you can work)

3. Purchase E&O (Errors & Omissions)

The carriers require you to have Errors and Omssion insurance coverage. This is to protect you incase you make a mistake and a client sues you. Very very rare this would ever happen, but hey we are in insurance. So makes sense they would want to insure our financial well-being.

  1. Select new licensed agent. $27.42 Plan

  2. Do new registration

  3. Select new agent

  4. Select A (if you want to just do insurance) Select B (if you want to sell annuities)

4. Complete NLC (Next Level Contracting)

Complete all of the required steps in order to submit contracting for Americo, Mutual of Omaha, Corebridge (also known as AIG) and American Amicable.

5. Call Insurance Carriers DAILY!

Carrier Phone Numbers:

● Americo: 800-231-0801

● Mutual of Omaha: 800-867-6873

● TransAmerica: 877-234-4848

● Corebridge (AIG): 800-677-3311

● Foresters: 800-828-1540

● Prosperity: 866-380-6413

● American Amicable: 800-736-7311

● Aetna: 866-272-6630

Contact the contracting department and check on the contracting status with each carrier. Make sure they received your application and they have everything they need to process your request smoothly.

6. Start New Agent Bootcamp

Make sure when you complete bootcamp, send an email to to receive your 30% off your first lead purchase

Let your manager know you have completed bootcamp


Look for an email link to Family First Life Gateway


In order to get to the Integrity Lead Center, click ILC on the left hand menu options. This is where you can purchase and manage your leads

8. Producer ID - Carriers will email you

Receiving Agent IDs

  • You will receive welcome emails from the carriers as your contracting requests are accepted

  • Login to the websites save user name and passwords. Bookmark the pages for future use

9. Enter your Producer IDs to HCMS

** It is very important that you add all carriers you are contracted with on HCMS. This is how FFL tracks your production so you can receive bonuses and increase your comp in the future!

Login back into your HCMS account HERE: To enter your writing numbers for the carriers you have received. Click [+] Select New Carrier Request in the drop down, then Select Missing Carrier/ Writing Number and input the writing number for the specific carrier you are accepted with, make sure to Send Request once completed.

10. Go to the Get Started tab under the New Agents menu

Please reach out to our Contracting Manager, if you have any questions.

Susan Bennett



Phone: (602) 300-3593

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