We Help Financial Advisors Thrive

On behalf of Milner Financial, we would like to welcome you and thank you for giving us the opportunity to help you grow your business. Our goal is to ensure insurance professionals have access to every service, system and tool available to help meet their client’s needs. Since we have access to top insurance carriers in the industry, we pride ourselves on offering personalized, objective solutions that insurance professionals, and their clients, can be sure are perfect to suit their situation. Underwriting, case management, advanced planning, retirement planning, are a sample of our always growing list of services.

Milner Financial has experienced, attentive, and knowledgeable staff who have garnered a great reputation with our clients and competitors over the last 70+ years. We look forward to assisting you through strengthening your client relationships with tailored solutions to fit their financial needs.

Check Out Our Website

Product Expertise & Case Design

Milner Financial provides expertise in the areas of:

 

  • Life, Advanced Planning & Executive Benefits
  • Policy Review and Performance Analysis
  • Business, Continuation & Succession Planning
  • Executive Benefit Planning
  • Split Dollar Plans
  • Corporate Owned Life Insurance, ICOLI and BOLI
  • Business Valuations
  • Estate and Trust Planning
  • Charitable Planning
  • Long Term Care Insurance Planning

Life Insurance

From term to variable and everything in-between! Our dedicated life sales experts can assist you and your clients with all of your life insurance needs.

Request a Quote

Long Term Care

Offer your clients a sense of security and save them from the stress of losing too much of their savings or burdening their families. Our Long-Term Care team can advise on carrier selection, underwriting, and client services.

Learn More

Annuities

As a proud member of the National Association of Fixed Annuities (NAFA) and LIBRA, we are not only active in the annuity realm, but key innovators. Let our resources and experience elevate your practice to the next level.

Learn More

Getting Started: The Milner Dashboard

For First Time Users:

  • Go to the Milner Financial website, www.milnerfinancial.com
  • Click on the Milner Dashboard button on the top right of the landing page.
  • If you have not previously registered, click on the “Login/Register” button, fill out the required fields.
  • Once logged in, you will land on the Milner Dashboard, which provides quoting tools, product information, forms, case status and calendar of events for all lines of business.
  • Other tools available include a Resource Library providing client friendly marketing pieces and advanced sales strategies.

For Technical Assistance, please contact support@milnerfinancial.com

Processing New Business

The New Business team at Milner Financial works diligently to coordinate with the carrier to manage your case through every stage of the process. Cases are touched on a regular basis and we facilitate requirement fulfillment on your behalf when possible. Agents will receive consistent personal communication and all new business status is also available on our Milner Dashboard.

We offer easy online application submissions through various platforms:

Submitting Contracting

We offer a streamlined contracting process through SureanceBay’s SureLC. The platform guides you through a series of questions to collect all information and documentation required for carrier contracting.

Visit www.milnerfinancial.com to access the Milner Dashboard to get started.

If you have any questions or need further information on training, please contact

Underwriting

The Underwriting Team at Milner Financial is changing how insurance is designed and delivered for those with medical concerns. We advocate on your behalf and leverage carrier partner relationships and resources to secure the most distinguished offers for your client. How do we do it?

First, we distinguish our underwriting process by offering certain things that others do not. We utilize Re-insurance underwriting manuals in our office to help substantiate and negotiate the best offers from our carriers.

Second, we educate our producers on the underwriting impairments to help them be well-equipped for making the sale.

Third, we will make calls with the producer to their clients to help re-inforce the underwriting process and to help gather the pertinent information to help us assess the risk in the best manner. All of this helps us to present the best possible case to the underwriter.

 

The Milner Financial Underwriting Team offers three options for medical history review:

 

  • Preliminary Quick Quote Review – We summarize the important medical, financial, and avocation information and send it out to over 15 carriers at the same time for a Quick Response, usually within 48 hours. We relay the best offers back to the producer with competitive rates that work for your clients. All offers are subject to full underwriting review of all records and usual age and amount underwriting requirements.
  • Trial Application – We retrieve medical records from the physicians that have treated your client. Along with the financial and avocation information that you provide, we send this out to the best carriers that align with the products that you are hoping to offer that benefit your client most. This process yields a more definitive offer given the details provided. This process requires a minimum premium of $3,000 or a face amount greater than $500,000.
  • Formal Application – This process has recently seen some major changes for the better with fewer requirements, faster decisions, and more competitive offers. About 70% of the cases will go through underwriting and issue as preferred or better. Our in house underwriters will go to work on the remaining 30% to find the best options available in the market by utilizing either the above QuickQuote process or the trial application process. Rest assured, with our 100 plus years of experience, and carrier relationships, we will find you the best offer!

 

If you have any questions or need further information, please contact

To access underwriting guidelines and questionnaires, please visit

www.milnerfinancial.com and access the Milner dashboard.

Contact Us

New Business FAQ

Q. How do I run a quote?
A. Term quotes can be generated on our website. Other quotes such as permanent life insurance, long term care, and annuities must be requested. Please contact our sales desk at 800-926-9206 x 2000 for assistance.

 

Q. Does the agent need to be licensed in the state of solicitation?
A. Yes, the agent must be licensed in the state where the application is signed. In addition, if you sell an LTC policy, you must complete that state’s required CE in order to complete the sale. For annuities, the state’s CE and the company’s training must be completed. For specific questions, please contact our licensing department at 800-926-9206 x 2003 or licensing@milnerfinancial.com.

 

Q. Do I need to submit the signed Milner Authorization Form with every formal application?
A. Yes, the signed Milner Authorization Form allows Milner Financial to obtain access to otherwise confidential information and to discuss the case informally with other carriers should we need to move the case to a different carrier. It saves you time by not having to go back to the client a second time for signatures if we need to shop the case with other carriers.

 

Q. Do I need to place my agent identification or Milner GA number on my submitted application?
A. No, your Milner case manager will make sure all identifying information is placed on the application before submitting it to the carrier. However, you should make sure that the writing agent name is easily legible on the application. Also, clearly mark any splits to make sure you commission is processed quickly and correctly when the case is marked in-force.

 

Q. Do I need to send in original copies when submitting forms to the carrier?
A. Generally, copies are acceptable however there are life insurance carriers that require originals when a 1035 exchange is involved. We recommend maintaining the original records to have available in the event that they are requested. Some annuity and LTC business require the original application to be submitted.

 

Q. Where do I submit new business applications?
A. New business applications can be mailed to 922A Hurricane Shoals Road Lawrenceville, GA 30043, emailed to lapps@milnerfinancial.com or uploaded through the Secure Transfer Portal of the Milner Dashboard. If you email the application, we ask that you please keep the original application for your records. New Business can be reached at lapps@milnerfinancial.com, or 800-926-9206 x 2002.

 

Q. Are there any new mandatory requirements I should be aware of?
A. Insurance carriers and states have a certain requirements, which can be changed at their discretion. Often, applications will not even be processed with some carriers until all the requirements are fulfilled. Please contact your case manager to discuss any mandatory items so you can ensure your case moves through the new business process with minimal delays.

 

Q. How will I be notified of my case status?
A. You will be automatically notified via email by your assigned case manager any time there is an update regarding your case. You may also be notified by phone for matters that require further discussion. You can also check your case status by visiting the Milner Dashboard and logging in to your HQ View.