- 先分三类，再守四条规矩Three kinds of form, four rules
- 团队自制信息表：在线填写与下载Team intake sheets: fill in online or download
- 投保：一整包里有什么New business: what's in the package
- 投保时的附约选择表Rider election forms at application
- 加州与特殊情况加表California and special-case add-ons
- 保单生效后：改保单After issue: changing a policy
- 改受益人、持有人、服务代理人Beneficiary, owner, servicing agent
- 客户要取钱：贷款、部分提取、退保Money out: loans, withdrawals, surrender
- 年金：适当性、转入、取款Annuities: suitability, transfers, withdrawals
- 自己的表：入职、委任、晋升、转线Your own forms: joining, appointment, promotion, transfer
- 发到哪里：国家人寿各部门Where to send it: National Life departments
- 退件清单：交之前过一遍The kick-back checklist
保险公司的表格一律到 Agent Portal 或 eApp 里拿当期版本。表号后面括号里的四位数是版本（月月年年）， 旧版会被退回。所以这一页只讲「哪种情况用哪个表号、每张表最容易错在哪」，不放 PDF。 另外，文件夹里有几份是填过真实客户资料的副本（姓名、社安号、银行账号）， 这类文件不该留在共享盘里，请整理时删除或挪到加密位置。
Always pull carrier forms from the Agent Portal or eApp in their current version. The four digits in brackets after a form number are its edition (MMYY), and an old edition gets returned. So this page tells you which form number fits which situation and where each one goes wrong; it does not host the PDFs. Separately, a few files in the folder are copies filled in with real client data (names, SSNs, bank accounts). Those should not live on a shared drive; delete them or move them somewhere encrypted.
一、先分三类，再守四条规矩1. Three kinds of form, four rules
| 类别Kind | 是谁的Whose | 去哪里拿Where to get it |
|---|---|---|
| 团队信息表：面谈时收资料Team intake sheets: gathering facts | 团队自己的，不交给保险公司Ours; never sent to a carrier | 本页第二节下载Section 2 below |
| 保险公司表格：投保、保全、取款Carrier forms: application, service, disbursement | 国家人寿（NL / LSW）、F&G 等National Life (NL / LSW), F&G, etc. | Agent Portal「Forms」或 eAppAgent Portal "Forms", or the eApp |
| PFA 行政表：入职、晋升、转线PFA admin forms: joining, promotion, transfers | PFA 总部PFA home office | PFA Community「Tools and Documents」，问上线PFA Community "Tools and Documents", or your upline |
① 永远用当期版本
① Always the current edition
表号括号里的日期就是版本，例如 1441(0924) 是 2024 年 9 月版。电脑里存的副本可能已经过期，递交前从 Portal 重新下载。
The date in brackets is the edition: 1441(0924) is the September 2024 version. The copy on your laptop may be stale; download it fresh from the Portal before you submit.
② 改错要客户签缩写
② Corrections need the client's initials
申请书上任何涂改（包括修正液）都要申请人在旁边签缩写。日期、代理人、分单比例一律不能涂改，写错就重填一张。
Any alteration on an application, correction fluid included, must be initialled by the applicant. Dates, agents and split percentages may never be altered at all. If one is wrong, start a new form.
③ 敏感资料不走微信
③ Sensitive data never goes by WeChat
社安号、银行账号、病历，只能当面收或直接录进 eApp；递交后纸本销毁。不要让客户拍照发给你，也不要存在手机相册里。
SSNs, bank numbers and medical records are collected in person or keyed straight into the eApp; the paper is shredded after submission. Don't have clients photograph and send them, and don't keep them in your camera roll.
④ 该留给客户的那一份要留
④ Leave the client's copy
生前福利披露书、HIPAA、HIV 同意书、替换告知书、加州的几张通知，都是一份随件交、一份留客户。漏留在合规检查时算违规，不只是退件。
Living-benefit disclosures, HIPAA, HIV consent, the replacement notice and the California notices are all one copy submitted, one copy left with the client. Missing the client's copy is a compliance finding, not just a kick-back.
二、团队自制信息表：在线填写与下载2. Team intake sheets: fill in online or download
原来团队有好几版中英文信息表，字段大同小异，有的漏了签证到期日，有的漏了家族病史的年龄。 下面四张是合并整理后的空白版，字段顺序跟 eApp 录入顺序一致，面谈时照着问、回来照着录，不用来回翻。 每张表顶部都印了「这不是保险申请书、敏感资料不要拍照传」的提示，可以直接给客户。
The team had several bilingual intake sheets with slightly different fields: one missed the visa expiry date, another the ages in the family history. These four are merged, blank versions with the fields in the same order as the eApp, so you ask in that order and key it in the same way. Each carries a note at the top that it is not an insurance application and that sensitive data must not be photographed and sent, so they can go straight to a client.
每张表都有在线填写版：把链接发给客户，客户在手机或电脑上直接填，填完点「保存为 PDF」发回给你。 在线版不用口令就能打开，资料只留在客户自己的浏览器里，网站不接收也不保存； 社安号和银行账号也能在网上填，所以填好的 PDF 是敏感文件：请客户当面给你或加密传送， 不要走微信、短信或普通邮件；录完 eApp 就删掉。 在线版比空白 PDF 精简：没有签名栏，也去掉了危险运动题、家族病史的兄弟姐妹行，以及任职年数、公司地址电话、 其他电话、其他收入和在此地址居住多久，这些需要时面谈补问。寿险表（成人、未成年人）和年金表最上面先填产品、保险公司和投保州， 最后有「备注」栏；寿险表问在美年数、驾照到期日和未来两年出国情况，年金表有共同持有人、付款银行和转出账号。 身份一栏会按客户选的身份只显示要填的：美国公民只填驾照，绿卡 / 工卡再加 A# 和到期日，签证再加签证、到期日与护照。 客户在微信里点开的，页面会提示先「在浏览器打开」，微信内置浏览器存不了 PDF。
Each sheet also has a fill-in-online version: send the link, the client fills it in on a phone or computer, presses Save as PDF and sends the file back. It opens without the passcode, and what the client types stays in their own browser; the site neither receives nor stores it. SSNs and bank numbers can be filled in online too, so a completed PDF is sensitive: have the client hand it over in person or send it encrypted, never by WeChat, text or plain email, and delete it once the eApp is done. The online version is trimmed from the blank PDF: no signature block, no hazardous-sports question, no sibling rows in the family history, and no years employed, employer address or phone, other phone, other income or years at the address; ask for those in the meeting if you need them. The life sheets (adult and juvenile) and the annuity sheet open with the product, carrier and state and end with a Notes box; the life sheet asks for years in the U.S., licence expiry and travel in the next two years, and the annuity sheet adds a joint owner, payment bank and the account being transferred. The status block shows only what the chosen status needs: a U.S. citizen gives the licence, a green card or work permit holder adds the A# and expiry, and a visa holder adds the visa, its expiry and passport. A client who opens the link inside WeChat is told to open it in a browser first, since WeChat's built-in browser can't save PDFs.
寿险投保信息表 · 成人
Life intake · Adult
TR-F01 · 3 页。本次申请（产品、保险公司、投保州）、身份与签证、工作财务、受益人、现有保单、银行、健康问题、家族病史、备注、证件清单。
TR-F01 · 3 pages. This application (product, carrier, state), identity and visa, work and finances, beneficiaries, existing cover, bank, health questions, family history, notes, document checklist.
寿险投保信息表 · 未成年人
Life intake · Juvenile
TR-F02 · 4 页。孩子和持有人（父母）两套身份信息，外加全家已有寿险一栏，因为核保会看孩子保额是否和父母、兄弟姐妹相称。
TR-F02 · 4 pages. Identity for both the child and the owner (parent), plus a family coverage grid, since underwriting checks that the child's amount is in line with the parents' and siblings'.
年金客户信息表
Annuity client profile
TR-F03 · 3 页。本次申请与年金类型、持有人和共同持有人，再按保险公司适当性问卷（10068）的顺序排：收入开销与税档、流动资产与净资产、负债期限、时间与取款计划、资金来源与转出账户、替换对照表、付款银行。
TR-F03 · 3 pages. The application and annuity type, owner and joint owner, then the carrier's suitability questionnaire (10068) order: income, expenses and tax bracket, liquid assets and net worth, liability terms, time horizon and withdrawals, source of funds and the account being moved, replacement grid, payment bank.
企业退休计划咨询表
Business retirement plan inquiry
TR-F04 · 2 页。给企业主报价 401(k)、利润分享、DB / Cash Balance 用：八步设立流程、雇主信息、现有计划、供款预算、关联企业、员工名册。
TR-F04 · 2 pages. For quoting a 401(k), profit-sharing or DB / cash-balance plan: the eight-step installation, employer details, existing plans, budget, affiliated businesses, census.
企业计划的第一步，国家人寿也有自己的 Qualified Plans Fact Finder（TC137149）： 用「收入是否稳定、业主想存 5 万以上还是以下、总预算 10 万以上还是以下、要不要让员工税前存」几个勾选题， 粗分出适合利润分享、确定给付还是 401(k)。它适合第一次聊时快速定方向，TR-F04 适合正式报价。
For a first pass on business plans, National Life has its own Qualified Plans Fact Finder (TC137149): a handful of check-boxes (stable or variable income, owner saving above or below $50,000, total budget above or below $100,000, whether employees defer pre-tax) that point towards profit sharing, defined benefit, or a 401(k). Use it to set direction in the first conversation, and TR-F04 for the actual quote.
个人年金也有国家人寿的 Annuity Fact Finder：英文版 Cat. 106936，中文版 Cat. 108670，西班牙文版 Cat. 108669（2026 年起提供）。
For individual annuities there's National Life's Annuity Fact Finder: English Cat. 106936, Chinese Cat. 108670, Spanish Cat. 108669 (available from 2026).
三、投保：一整包里有什么3. New business: what's in the package
国家人寿的纸本投保是一个「Kit」（例如加州 LSW 的 8121CA Kit）。用 eApp 的话系统会自动带出需要的表， 但你仍然要知道每张是干什么的，客户问起、或者要补件时，得说得出来。
National Life's paper application comes as a kit (for example the 8121CA kit for LSW in California). The eApp pulls in the right forms automatically, but you still need to know what each one is for. A client may ask, or underwriting may ask for something missing.
| 表号Form | 是什么What it is | 要点 / 最常错Key points / common errors |
|---|---|---|
| 8121 | 个人寿险申请书（单一被保人）Individual life application (single insured) | 第 L 部分「是否用了演示」必须勾一项；在电脑上给客户看的演示，要另签 Computer View 确认书。IUL 选 GPT 或 CVAT。Part L (whether an illustration was used) must be ticked; if shown on screen, sign the Computer View certification too. IUL: choose GPT or CVAT. |
| 8121G | 代理人报告（Agent's Report）Agent's Report | 你自己填：是否见过面、认识多久、报的费率等级、体检项目、保额怎么算出来的、有没有替换。「报了什么费率等级」两个被保人都要写。Yours: met in person, how long you've known them, rate class quoted, exam requirements, how the face amount was set, any replacement. Give the quoted class for both insureds. |
| 8122 | 第二被保人 / Other Insured 申请书Second / other-insured application | 双人保单（Survivorship）或加 OIR 附约时，跟 8121 一起交。Filed with the 8121 for survivorship products or an Other Insured Rider. |
| 8123 | 补充说明页Supplemental remarks | 申请书的备注栏写不下时用。When the remarks section runs out of room. |
| 8164 | HIPAA 医疗资料授权HIPAA authorisation | 写上被保人正楷姓名和生日再签；未满 18 岁由父母签并写关系。儿童附约（CTR）的每个孩子都要一张。有效 30 个月。Printed name and date of birth, then signed; under 18, a parent signs and states the relationship. One per child on a Children's Term Rider. Valid 30 months. |
| HIV 同意书HIV consent | 抽血或口腔液检测时需要Needed when blood or oral fluid is collected | 一份随件、一份留客户。One submitted, one left with the client. |
| 8613 / 8411 | 指数策略分配（LSW / NL）Index strategy allocation (LSW / NL) | 所有 IUL 必交。整数百分比、每项至少 5%、合计 100%。生效后改分配用同类表（如 20326），寄 Contract Change。Required for every IUL. Whole percentages, at least 5% each, totalling 100%. To change later, use the equivalent form (e.g. 20326) and send to Contract Change. |
| 生前福利（ABR）披露书ABR disclosure | 各州有自己的版本State-specific versions | 一份签好随件、一份签好留客户。One signed copy submitted, one signed copy left with the client. |
| 1707 EFT | 自动扣款授权EFT authorisation | 附作废支票最稳。路由号码不能以 5 开头。首期金额差额在 $25 内可以勾选免通知直接扣。扣款日选 29–31 号、遇小月就在月底扣。存款人和持有人不同，两人都签。A voided cheque is safest. Routing numbers can't start with 5. Tick the box to allow a first draft within $25 of the stated amount without notice. A 29th–31st draft date falls on the month's last day when needed. If depositor and owner differ, both sign. |
| 20252 / 20251 | 临时保障收据（Conditional Receipt）Conditional receipts | 20252 用于个人与双人保单，20251 用于由计划或信托投保。收了首期保费才用。20252 for single and survivorship cases; 20251 when a plan or trust applies. Only when initial premium is collected. |
| 6496 | 预先告知（Prenotifications）Prenotifications | FCRA 与 MIB 告知，已经从申请书里拆出来单独成表，别忘了给客户。The FCRA and MIB notices, now a separate form rather than part of the application. Don't forget to give it. |
| 7935 | 化验报告申请Lab report request | 客户想要自己的体检化验结果时，由客户本人签。结果只邮寄到客户地址，不传真、不发邮件。For a client who wants their own lab results; the client alone signs. Results are mailed to the address on file, never faxed or emailed. |
还要注意年龄算法：FlexLife、PeakLife、LSW Term 用最近生日（age nearest），其他产品用上一个生日（age last）。 客户快过半岁生日时，这决定了保费按哪个年龄算。
Watch the age basis too: FlexLife, PeakLife and LSW Term use age nearest birthday; everything else uses age last birthday. When a client is close to a half-birthday, this decides which age the premium is priced at.
四、投保时的附约选择表4. Rider election forms at application
| 表号Form | 附约Rider | 要选什么What you choose |
|---|---|---|
| 20649 | AVE 账户价值增强附约（Flexible Accumulated Value Enhancement）Flexible Accumulated Value Enhancement (AVE) | 三选一：Enhancer（免费）、Enhancer Plus、Enhancer Max。选定后适用于之后新建的所有指数段；利息加成与加成费用的保证值见保单数据页。One of three: Enhancer (no charge), Enhancer Plus, Enhancer Max. Applies to every index segment created afterwards; guaranteed bonus and charge values are on the policy data page. |
| 20650 | GFR 保证弹性附约（Guaranteed Flex Rider）Guaranteed Flex Rider (GFR) | 10 年（免费）、20、30 或 40 年四选一；不要这个附约要勾选「不要」，否则会被加上。10 years (no charge), 20, 30 or 40. To decline it you must tick the "do not want" box, or it is added. |
| 20327 | Gap Protector 附约Gap Protector Rider | 5%、10%、15% 三选一。5%, 10% or 15%; choose one. |
| 20274CA（LSW）/ 20275CA（NL）20274CA (LSW) / 20275CA (NL) | 慢性病 ABR 补充问卷Chronic-illness ABR supplement | 主被保人和 Other Insured 都要填。若替换现有长照或 ABR，另加 20218CA；加州还要签 20220CA / 20221CA 并留一份给客户。Both the primary and any other insured complete it. If it replaces existing LTC or ABR cover, add 20218CA; in California also sign 20220CA / 20221CA and leave a copy. |
| 20401CA | 重疾 / 重伤 / 阿兹海默 ABR 补充申请Critical illness / injury / Alzheimer's ABR supplement | 只有一个问题：被保人有没有个人或团体的综合医疗保险。没有就不能加这几个附约。One question: does the insured have individual or group comprehensive health coverage? Without it, these riders aren't available. |
| 20821CA | 阿兹海默 ABR 披露书（加州）Alzheimer's ABR disclosure (CA) | 只限投保年龄 0–60。确诊阿兹海默或路易体失智、MMSE 低于 20/30 且至少两项认知功能受损才触发；其他类型失智（血管性、额颞叶、酒精或药物引起等）不赔；生效 30 天内发生不赔（意外除外）。Issue ages 0–60 only. Triggered by a definite diagnosis of Alzheimer's or Lewy body dementia with an MMSE below 20/30 and impairment in at least two cognitive areas; other dementias (vascular, frontotemporal, alcohol- or drug-induced, etc.) are excluded; nothing within 30 days of the effective date unless accidental. |
生前福利的五类条款、打折理赔怎么算，见《生前福利》； 指数策略和 AVE 的取舍，见《指数策略》。
For the five living-benefit riders and how the discounted payout works, see Living Benefits; for choosing strategies and the AVE options, see Index Strategies.
五、加州与特殊情况加表5. California and special-case add-ons
| 情况Situation | 加哪张Add | 说明Notes |
|---|---|---|
| 加州任何新客户Any new California applicant | 20667 | 加州居民告知，必须交给客户并留下。California resident notice; must be given and left with the client. |
| 客户 65 岁以上（加州）Client 65 or older (CA) | 8196 | 长者理财建议披露，客户与代理人签，留一份给客户。Financial-advice disclosure for elders; client and agent sign, copy left with client. |
| 第一次上门见长者First visit with a senior | 20045 | 见面前 24 小时送达；已有保险往来的客户则在见面前送达。Delivered 24 hours before the first meeting, or before the meeting if you already have an insurance relationship. |
| 客户可能申请 Medi-CalClient may apply for Medi-Cal | 9402 | Medi-Cal 资格告知，客户与代理人签，一份留客户、一份交公司。Medi-Cal eligibility notice; both sign, one copy each for client and home office. |
| 有现有保单或年金（不论是否替换）Any existing policy or annuity (replacing or not) | 8027（加州为 8027CA）8027 (8027CA in California) | 采用 NAIC 模板的州，只要有有效保单就要交，不管是否替换。替换还要 1035 / 9685，详见《保单替换》。In states on the NAIC model, required whenever cover is in force, replacing or not. A replacement also needs the 1035 / 9685 paperwork; see Policy Replacement. |
| 在居住州以外的州签单Signed outside the client's home state | 9928 | 签约州证明：信托所在地、第二居所，或在该州工作 / 经营。缅因、密歇根居民必须由持该州执照的代理人签。State of execution: a trust based there, a second home there, or work / business there. For Maine and Michigan residents the agent must hold that state's licence. |
| 大额保单、财务核保Large cases, financial underwriting | 1392 | 机密财务问卷：三年收入、资产负债、税率、风险承受、保单目的。纽约州必交；用 CPA 签字可作为第三方财务证明。Confidential financial questionnaire: three years' income, assets and liabilities, tax bracket, risk tolerance, purpose of cover. Required in New York; a CPA's signature can satisfy third-party verification. |
| 危险运动、私人飞行、出境居住Hazardous sports, private flying, living abroad | 1480 | 申请书里任一「是」都要附这张。Attach whenever the application answers "yes" to any of these. |
| 公司为员工投保Employer-owned policy | 8453；商业保险加 200988453; add 20098 for business cases | 员工知情同意书；商业用途问卷。Employee notice and consent; business insurance questionnaire. |
| 信托做持有人Trust as owner | 5213 | 信托证明。Trust certification. |
| 现役军人或其家属Active-duty service member or family | 8643 | 军人销售披露。Military sales disclosure. |
| 客户无法亲自签收保单Client can't take delivery in person | 20524 | 有限授权书，必须公证，并在交单前到达总部。受托人须是全职美国居民的成年人，不能是代理人或参与销售的人；只能签收保单、修正页、演示和收据，不能做任何保单变更。Limited power of attorney; must be notarised and reach the home office before delivery. The attorney-in-fact must be an adult full-time U.S. resident and not the agent or anyone in the sale; it covers accepting the policy, amendments, illustration and receipt only; it can't make any policy changes. |
六、保单生效后：改保单6. After issue: changing a policy
从申请日起 120 天内的改动算「重写期」，之后才算生效后变更（after issue），由总部的 Contract Change 处理。 三张核心表：1441 保单变更申请、20007 定期转换申请、20114 变更 / 转换补充健康问卷（需要核保时用）。 所有变更随附 Customer Services Agency Transmittal（目录号 45208），发到 Contract Change 邮箱或传真。
Changes within 120 days of the application date are the rewrite period; after that they are after-issue changes, handled by Contract Change at the home office. Three core forms: 1441 policy change application, 20007 term conversion application, and 20114 the supplement used whenever the change needs underwriting. Every change goes with a Customer Services Agency Transmittal (catalogue 45208), by email or fax to Contract Change.
| 要做什么Change | 交什么Forms | 要核保吗Underwriting? |
|---|---|---|
| 定期险转永久险Term conversion | 20007 Kit（含 1441G、演示、ABR 披露；转 IUL 加 8613 / 8411，转 PeakLife / SummitLife 加 20649）；加州加 8196、2066720007 kit (1441G, illustration, ABR disclosure; add 8613 / 8411 for IUL, 20649 for PeakLife / SummitLife); in CA add 8196 and 20667 | 只有加保额、加附约或想升费率等级时，才加 20114 + HIPAAOnly with 20114 + HIPAA when increasing, adding riders, or seeking a better class |
| 身故金选项 A ↔ BDeath benefit option A ↔ B | 1441，或持有人签名信（写保单号）1441, or a signed owner letter with the policy number | 不需要No |
| 降保额Decrease face amount | 1441，或持有人签名信写明金额1441, or a signed letter stating the amount | 不需要；不能低于产品最低保额No; can't go below the plan minimum |
| 加保额（仅 UL / IUL / VUL）Increase face (UL / IUL / VUL only) | 先问 Contract Change 报价与要求Ask Contract Change for a quote and requirements first | 需要Yes |
| 行使 GIO / GIR 加保额Exercise GIO / GIR | 1441 + 1441G + 20114 + HIPAA1441 + 1441G + 20114 + HIPAA | 按附约规则，有年龄与金额限制Per the rider, with age and amount limits |
| 加终期疾病 ABRAdd terminal-illness ABR | 1441 + ABR 披露1441 + ABR disclosure | 不需要；纽约不适用No; not in New York |
| 加慢性 / 重疾 / 阿兹海默 ABRAdd chronic / critical / Alzheimer's ABR | 1441 + 20114 + ABR 披露 + HIPAA1441 + 20114 + ABR disclosure + HIPAA | 需要；纽约不适用Yes; not in New York |
| 加儿童附约 CTRAdd Children's Term Rider | 1441（D 部分）+ 1441G + 每个孩子一张 HIPAA1441 (Part D) + 1441G + a HIPAA per child | 需要Yes |
| 加 Other Insured、定期附约、APB、APAR 等Add OIR, term rider, APB, APAR, etc. | 1441 + 1441G + 20114 + HIPAA（纽约另加 1392、20659、20660）1441 + 1441G + 20114 + HIPAA (NY adds 1392, 20659, 20660) | 需要；OIR 要持有人、主被保人、OIR 被保人三方签Yes; OIR needs owner, primary and other insured to sign |
| 取消附约Cancel a rider | 1441，或持有人签名信1441, or a signed owner letter | 不需要No |
| 费率等级升级（如吸烟 → 不吸烟）Better rate class (e.g. tobacco → non-tobacco) | 先让 Contract Change 报价Have Contract Change quote it first | 需要；按原始核保准则，部分产品不开放Yes; on the original guidelines, not every product allows it |
| 终身寿转缴清（Paid-Up）Whole life to paid-up | 2185 | 不需要；只限传统终身寿No; traditional whole life only |
| 复效Reinstatement | 先联系总部Call the home office first | 需要Yes |
- A 部分每题必答，「N/A」不算答案；被保人是孩子就写「child」。
- Every question in Part A is required, and "N/A" isn't an answer; if the insured is a child, say so.
- B 部分勾要改的项目，清单里没有的写到 E 部分备注。C 部分只在有 Other Insured 时填。
- Tick the change in Part B; anything not listed goes in Part E remarks. Part C only if there is an other insured.
- G 部分由持有人签，城市、州和日期要客户本人当天写；加保额或加附约时，代理人也要签。
- Part G is signed by the owner, who writes the city, state and date on the day; the agent also signs for increases and rider additions.
- 有不可撤销受益人或质押权人的，他们也要签，而且要公证。
- An irrevocable beneficiary or collateral assignee must also sign, notarised.
给老客户补加附约的机会。国家人寿通知过：阿兹海默 ABR 与 Fertility Journey 附约可以免费补加到已生效的 Living Life by Design 等保单上（按签发日期划线：FlexLife / PeakLife 2019 系列为 2019-10-27 之后，TotalSecure 2022-01-08 之后，SummitLife 2022-04-23 之后，等等）。 阿兹海默附约目前年龄上限 60 岁、费率等级需 Express Non-Tobacco 1（或 Table 200%）以上，该通知注明不适用于加州、纽约的已生效保单； Fertility Journey 不是每个州都有。eApp 里选 Start New Case → 产品类型选最后一项 Change/Reinstatement and Contract， 在「After Issue Changes Requested」里勾 Add Benefit/Riders；保费调整选 No，不需要附演示。 这是回访客户的好理由，顺便看看 IUL 是否一直缴得不够。
A reason to call existing clients. National Life has announced that the Alzheimer's ABR and the Fertility Journey rider can be added at no cost to in-force Living Life by Design and other policies (by issue date: FlexLife / PeakLife 2019 series after 27 October 2019, TotalSecure after 8 January 2022, SummitLife after 23 April 2022, and so on). The Alzheimer's rider currently has a maximum age of 60 and needs Express Non-Tobacco 1 (or Table 200%) or better, and the notice excludes in-force policies in California and New York; Fertility Journey isn't approved in every state. In the eApp: Start New Case → product type "Change/Reinstatement and Contract" → tick Add Benefit/Riders under After Issue Changes Requested; answer No to premium adjustment; no illustration needed. It's a good excuse for a review, and a chance to check whether an IUL has been underfunded.
七、改受益人、持有人、服务代理人7. Beneficiary, owner, servicing agent
受益人变更 · 1531
Beneficiary change · 1531
新的指定会撤销之前所有指定。第一顺位全部过世才轮到第二顺位；同一顺位默认平分。 指定信托要写信托日期、税号、受托人、设立人和信托名称。受益人在被保人身故后 10 天内也过世，视同没有存活（短期存活条款）。 配偶签字：受 ERISA 管辖，或居住在 AZ、CA、ID、LA、NM、NV、TX、WA、WI（夫妻共同财产州）时必须； 麻州的非年金保单要证人，受益人不能当证人。
A new designation revokes every earlier one. Contingent beneficiaries take only if no primary survives; within a class, shares default to equal. For a trust, give the trust date, tax ID, trustees, grantor and name. A beneficiary who dies within ten days of the insured is treated as not having survived. Spousal signature is required under ERISA, or for residents of AZ, CA, ID, LA, NM, NV, TX, WA and WI (community-property states); in Massachusetts non-annuity policies need a witness, who can't be a beneficiary.
持有人变更 · 1492
Owner change · 1492
同一张表处理三种事：换新持有人、公司改名、信托换受托人。个人持有人填第一栏，企业填第二栏，信托填第三栏，退休计划填第四栏。 签名：现任持有人一定签；新持有人是个人时全体主持有人签，是有限合伙时全体普通合伙人签，是信托时全体受托人签。 多位持有人必须共同行使权利，除非勾选「受托人可各自单独行事」。
One form for three jobs: a new owner, a corporate name change, or new trustees. Individuals use box one, entities box two, trusts box three, pension plans box four. Signatures: the current owner always; for the new owner, all primary owners if individuals, all general partners if an LP, all trustees if a trust. Joint owners act together unless the "each trustee may act independently" box is ticked.
换服务代理人 · 20588
Servicing agent change · 20588
客户签，寄 agentchanges 邮箱，总部处理完即生效。只能有一位主要服务代理人。保单号不知道就写完整社安号。 若是 403(b) 等薪资扣款的账户变更供款或做转入，第三部分写佣金分配比例。
Signed by the client and emailed to agent changes; effective once processed. Only one primary servicing agent. If the policy number isn't known, give the full SSN. For payroll-deduction accounts such as a 403(b) changing contributions or taking a transfer, Section 3 sets the commission split.
F&G 换代理人 · ADMIN6502
F&G agent change · ADMIN6502
持有人和新代理人都要签，列出所有适用的保单号。新代理人若还没在 F&G 委任，只会被登记为「授权联系人」，没有代理权。 变更持续有效，直到持有人书面撤回。
Owner and new agent both sign, listing every policy it applies to. If the new agent isn't yet appointed with F&G, they're recorded only as an authorised party with no agency authority. It stands until the owner withdraws it in writing.
八、客户要取钱：贷款、部分提取、退保8. Money out: loans, withdrawals, surrender
| 表Form | 用途Use | 要点Key points |
|---|---|---|
| 4075 | 贷款申请（寿险与年金）Loan agreement (life and annuity) | 写金额或「maximum」；寿险可选固定净成本、浮动净成本或固定利率贷款（视产品）。保单若是或变成 MEC，贷款可能要缴税。403(b) / 457 年金贷款一般 5 年还清，买自住房可按金额延长（最长 25 年，需买卖合同）；还款扣款日与放款日相同、不能改。质押权人签字要公证。State an amount or "maximum"; on life, choose fixed net cost, variable net cost, or fixed rate where available. If the policy is or becomes a MEC, loans may be taxable. 403(b) / 457 annuity loans repay over five years, longer for a primary home (up to 25, with the purchase contract); the repayment draft falls on the loan date and can't be changed. An assignee's signature must be notarised. |
| 1569 | 寿险部分提取 / 全额退保（非退休计划）Life withdrawal / surrender (non-pension) | 可能有 $500 最低提取额；提取会同时降低现金价值和身故金。会让保单变成 MEC 的提取，不勾确认框就不处理。有应税收益时默认预扣 10% 联邦税，可勾选不预扣（但仍要报税，年底收 1099-R）。退保要选原因，附原保单或签赔偿条款。A $500 minimum may apply; withdrawals reduce both cash value and death benefit. One that would create a MEC isn't processed unless the acknowledgement box is ticked. Taxable gain triggers 10% federal withholding by default, which can be waived (it's still reportable; a 1099-R follows). Surrenders state a reason and return the policy or accept the indemnity. |
| 2185 | 转缴清保险Request for paid-up insurance | 不想再交保费、又不想退保的另一条路，只限传统终身寿。The alternative to surrender when premiums stop; traditional whole life only. |
取钱之前先想清楚贷款还是提取、会不会触发 MEC、会不会让保单失效，这部分在 《保单贷款》里有完整比较。表格上所有配偶签字规则，与受益人变更相同（夫妻共同财产州与 ERISA）。
Before money comes out, decide loan versus withdrawal, whether it triggers a MEC, and whether the policy could lapse; Policy Loans compares them in full. Spousal signature rules on all these forms are the same as for beneficiary changes (community-property states and ERISA).
客户的旧保单在别家公司时When the client's existing policy is with another carrier
替换或做 1035 转换时，旧保单那一边要用对方公司自己的当期表格：国家人寿这边填 9685（1035 / 转移），对方公司那边填它的退保或转移表（Drive 里有 MassMutual、Transamerica、Allianz、New York Life 的样本，下载前到对方官网取最新版）。 有的公司不接受电子签名的转移表格，要手签。新保单批准并生效前，旧保单一张都不要动。团队常服务的 Corebridge（原 AIG）保全表：
For a replacement or 1035 exchange, the old policy's side uses that carrier's own current forms: 9685 (1035 / transfer) on National Life's side, and the other carrier's surrender or transfer form (the Drive holds MassMutual, Transamerica, Allianz and New York Life samples; download the latest from the carrier). Some carriers won't accept e-signed transfer forms. Don't touch the old policy until the new one is approved and in force. Corebridge (formerly AIG) service forms the team often uses:
| Corebridge 表格Corebridge form | 用途Use |
|---|---|
| AGLC0107 | Service Request：地址、姓名等一般保全变更，每张保单一份Service Request: address, name and other general changes, one per policy |
| In-Force Change Application（加州版）In-Force Change Application (CA version) | 转换、加保、改附约等需要重新填申请的变更，整份填写并在第 7 页签名Conversions, increases, rider changes and other changes needing a full application; sign page 7 |
| AGLC108250 | 复效申请Reinstatement |
| AGLC104396 | 更换服务经纪人（Agent Changes）Servicing-agent change |
| AGLC201843 | 外籍客户在海外由美国执照医生认证生前福利理赔时用Living-benefit claims certified by a US-licensed physician practising abroad |
九、年金：适当性、转入、取款9. Annuities: suitability, transfers, withdrawals
| 表Form | 用途Use | 要点Key points |
|---|---|---|
| 10068 | 适当性问卷（Suitability）Suitability questionnaire | 第一部分不能拒答。可动用净资产要逐项写（存款、寿险现金价值、年金可免费提取部分、基金股票）；预计退休与领社安年龄；负债期限（没有就写 0）；加州要问是否打算申请 Medi-Cal。第二部分问第一年与退保期内的取款计划。过去 60 个月做过年金交换要写。钱来自现有保单或年金时，替换对照表必须填完并附最近报表。团队的 TR-F03 就是按这张的顺序排的。Section I can't be declined. List liquid net worth item by item (deposits, life cash value, annuity free-withdrawal amounts, funds and stocks); retirement and Social Security ages; liability terms (0 if none); in California, whether the client plans to apply for Medi-Cal. Section II covers withdrawals in year one and during the surrender period. Any exchange in the last 60 months is disclosed. When money comes from an existing policy or annuity, the replacement grid is completed and the latest statement attached. TR-F03 follows this form's order. |
| 9685 | 转移 / 交换 / 转存Transfer / exchange / rollover | 每家转出机构一张。年金转寿险不算 1035，要缴税，也不算替换。403(b) 不能转 457。只收首期保费的产品，公司会等 30 天看有没有第二笔钱进来，期间不计息。退休计划账户（403(b)、457 等）雇主或计划类型不同时，要计划管理人签字。One per surrendering institution. Annuity to life is not a 1035. It's taxable and not a replacement. 403(b) to 457 isn't allowed. For single-premium products the carrier holds issue 30 days for further money, without interest. For plan accounts (403(b), 457…), a different employer or plan type needs the plan administrator's signature. |
| 2748 | 年金取款 / 退保Annuity withdrawal / surrender | 只能勾一项：部分提取、最高免费提取额（依产品 10% 或 15%）、全额退保、犹豫期退保（签发后 30 天内）、还贷款、当年 RMD。可能有退保费和 MVA。预扣税：来自合格计划、可转存但没直接转存的，强制预扣 20%，不能选不扣；IRA 与非合格账户默认 10%，可选不扣。59½ 岁前取出可能再加 10% 罚税。Tick one: partial, maximum free withdrawal (10% or 15% by product), full surrender, free look (within 30 days of issue), loan payoff, current-year RMD. Surrender charges and MVA may apply. Withholding: an eligible rollover distribution not rolled over directly has mandatory 20%, no opt-out; IRA and non-qualified default to 10%, which can be waived. Before 59½ a further 10% penalty may apply. |
| 20179 | 自动取款计划Automated withdrawal programs | 定期领取、Roth 转换、年金化、自动 RMD（只能按年）、72(t) SEPP 三种方法、启动终身收入附约（GLIR）。首次领取日不能超过 90 天后；每次最低 $100。有贷款的保单不能启动 GLIR 或定期领取；GLIR 启动后不能再加钱。联合领取人必须是配偶并附生日证明。年金化可选 5–25 年、单人终身、单人终身加保证期，或联合 100% / 75% / 66⅔% / 50%。Periodic payments, Roth conversions, annuitisation, automatic RMDs (annual only), 72(t) SEPP by any of three methods, or starting the GLIR. First payment within 90 days; $100 minimum. Neither GLIR nor periodic payments with a loan outstanding; no further premium once GLIR starts. A joint annuitant must be the spouse, with proof of birth date. Annuitisation: 5–25 years, single life, single life with period certain, or joint at 100 / 75 / 66⅔ / 50%. |
年金客户第一次面谈前，还有两件事：你本人要先完成州的年金训练和国家人寿的年金产品训练 （新代理人已整合在委任申请里，老代理人在 Agent Portal 上完成）；向长者销售时的加州规定见上面第五节。 取款顺序与税务的整体安排，见《退休账户地图》。
Two things before the first annuity meeting: you must have completed the state annuity training and National Life's annuity product training (built into the appointment application for new agents; on the Agent Portal for existing ones), and the California senior-sale rules in section 5 apply. For withdrawal order and tax overall, see Retirement Accounts.
十、自己的表：入职、委任、晋升、转线10. Your own forms: joining, appointment, promotion, transfer
| 事情Event | 表 / 流程Form / process | 要点Key points |
|---|---|---|
| 加入 PFAJoining PFA | 线上注册；特殊情况用 Manual Join 纸本表Online sign-up; the Manual Join sheet as a fallback | $125 平台费（不退），填推荐人 PFA ID；纸本约 2 个工作日处理。平台包含什么见《平台资源》。$125 non-refundable platform fee and your referrer's PFA ID; paper sign-ups process in about two business days. What it includes: Platform. |
| 执照指纹Licence fingerprints | 加州司法部 BCIA 8016 Live Scan 申请California DOJ BCIA 8016 Live Scan request | 带去 Live Scan 点现场打。全流程见《加州执照申请指南》。Take it to a Live Scan site. Full process: CA Licensing Guide. |
| 买 E&OBuying E&O | PFA Community → Tools and Documents → Buy NowPFA Community → Tools and Documents → Buy Now | 必须买 PFA 的团体保单：它同时保到你、上线和总部，自己在外面买的只保你一个人。保期到下一个 7 月 1 日，所以越晚买越便宜。证书几天后出现在 PTRAC 的 Uploads 里；除国家人寿外，其他保险公司要你自己上传。新人入职前已有外部 E&O 的，满足条件可一次性豁免（至少 $100 万保额、自付额不超过 $1 万、已预缴一年且不可退、加注 PFA 为附加被保险人），到期后改买 PFA 的。It must be PFA's group policy, which covers you, your upline and the home office together; an outside policy covers only you. It runs to the next 1 July, so it's cheaper the later you buy. The certificate appears in PTRAC Uploads a few days later; you upload it yourself to every carrier except National Life. A recruit with prior outside E&O can get a one-time exemption (at least $1M cover, deductible no more than $10k, a year prepaid and non-refundable, PFA endorsed as additional insured) and switches at renewal. |
| 国家人寿委任（Appointment）National Life appointment | Pangea 线上申请（PA 类型）Pangea online application (PA type) | 先有有效执照和 PFA 的 E&O 证书再开始，两样缺一不可。代理机构号、区域招募人、邀请邮箱问上线拿，用执照上的法定姓名以个人身份申请。反洗钱（AML）训练已内嵌在申请里，每两年更新一次，不产生证书、不能拿去给别家用。约 3–5 个工作日收到代理人代码。Have an active licence and the PFA E&O certificate first; both are mandatory. Get the agency number, regional recruiter and inviter email from your upline; apply as an individual in your legal name as on the licence. AML training is built in, refreshed every two years, produces no certificate and doesn't satisfy other carriers. Expect an agent code in about three to five business days. |
| 成为 CFTBecoming a CFT | CFT 申请流程（线上表单）CFT application (online form) | 点申请链接填写 → 收到 PFA 官方邮件 → 进电子表格在两页签名 → 系统依次发给你的 CFT、你的 EFD 签 → 公司审核。收到 Certificate 不等于已批准，大约一周后才有结果；资料不合格要整套重来。Fill in the form → PFA emails you → sign two pages → it routes to your CFT, then your EFD → home office review. Receiving the certificate isn't approval; the answer comes about a week later, and a rejected file starts over from the beginning. |
| 晋升Promotion | 5530 Hierarchy Processing Transmittal5530 Hierarchy Processing Transmittal | 勾新合约级别与预支上限（$5,000 上限要 EFC 批准）。100% 预支比例要求 12 个月续保率 78% 且目标保费 $50,000；逾期 90 天以上的欠款会被改成「As Earned」。总监级别另要 EFD 签名，首次当总监在 60 天等待期结束时附 QFD Pledge；以同等资历晋升还要附 1099。PDF 发 Licensing 邮箱。级别阶梯见《佣金比例与晋升》。Tick the new contract level and advance cap ($5,000 needs EFC approval). The 100% advance rate needs 78% 12-month persistency and $50,000 target premium; debt aged over 90 days can move you to "As Earned". Director levels also need the EFD's signature; first-time directors attach the QFD Pledge at the end of the 60-day wait, and equivalency promotions attach 1099s. Send as PDF to Licensing. The ladder: Commission Ladder. |
| 当总监的承诺The director pledge | Field Director Pledge（合约修正案）Field Director Pledge (contract amendment) | 两条路二选一：Builder Path（QFD 以上）要取得并保持 CFT 资格、亲自带训下线、出席下线参加的招募会（FOS）、大会与 Elevate 培训；Sales Path（SQFD 以上）可按规定委派培训，由上线 Builder 总监督导其下线。两条路都不得为 PFA 的竞争对手做后台工作。Choose one path: Builder (QFD and up) earns and keeps CFT status, trains downlines personally, and attends the FOS, conventions and Elevate sessions their downlines attend; Sales (SQFD and up) may delegate training under the policy, with an upline Builder director supervising their downline. Neither may work in the back office of a competitor. |
| PFA 内部转线Transfer within PFA | Internal Transfer RequestInternal Transfer Request | 一生只有两次。第一次要求连续 6 个月完全不活跃：没有递单或成交、没有招募、没参加任何 PFA 活动（包括一对一、会议、培训、网络会议）；第二次要 24 个月。下线不跟着走，要各自申请。转线后一年内不能调升佣金比例。若被查出是被挖角、故意「坐冷板凳」等转线，会被撤销并交合规处理。需本人、新上线、新 QFD、新 EFD 签，EFC 审批。Only two in a career. The first needs six months fully inactive: no submitted or paid business, no recruits, no PFA activity at all (one-on-ones, meetings, training, webinars included); the second needs 24 months. Downlines don't move with you and must apply individually. No commission increase for a year after. A transfer found to have been solicited (sitting out on purpose to switch) is revoked and referred to compliance. Signed by you, the new upline, new QFD and new EFD; approved by the EFC. |
| 国家人寿代理人转层级National Life hierarchy transfer | 10104 | 未被原层级释放的，要距最后一次递交申请（或签约资料）满 6 个月。转过去的合约级别不会高于转出时；欠国家人寿的钱、佣金追回债务都要先还清或由新层级承接；下线各自申请。原 MGA 签释放书则随时可转。Without a release, six months after your last application (or contracting papers). The contract level can't exceed what it was; any debt to National Life and chargebacks must be repaid or assumed by the new hierarchy first; downlines apply individually. With a signed release from the current MGA, any time. |
十一、发到哪里：国家人寿各部门11. Where to send it: National Life departments
国家人寿的服务热线是 800-906-3310（售前咨询、在审与已生效保单、签约、佣金、密码重置）。 大多数事情用邮件更快、也留下记录。附件一律 PDF，回复时直接回给发邮件给你的那个人；每个案子的 Case Manager 和核保员在 Agent Portal 上都看得到。
National Life's contact centre is 800-906-3310 (pre-sale, pending and in-force business, contracting, commissions, password resets). Most things go faster by email and leave a record. Send attachments as PDFs, and reply to whoever emailed you; each case's manager and underwriter are shown in the Agent Portal.
| 事情Matter | 发到Send to | 注意Notes |
|---|---|---|
| 层级变更、网站权限Hierarchy changes, web access | NLGAgencyUpdates@ | — |
| 签约进度、年金训练、AML、E&O、执照更新、转移Contracting status, annuity training, AML, E&O, licence updates, transfers | Contracting@ | — |
| 代理人邮箱、地址、姓名变更Agent email, address or name changes | EUpdates@ | — |
| 更换服务代理人Servicing agent changes | AgentChanges@ | 用 20588Form 20588 |
| 佣金与欠款查询Commissions and debt | NLGCompensation@ | — |
| 寿险：签收回执Life: delivery requirements | Agent Portal 或 FormsOnDelivery@Agent Portal or FormsOnDelivery@ | — |
| 寿险：签发前改方案（Rewrite）Life: rewrites before issue | Agent Portal 或 Rewrites@Agent Portal or Rewrites@ | 用 8125；申请签字日起 120 天内；一份保单一张表，写清要改什么Form 8125, within 120 days of the application date, one form per policy, with the changes spelled out |
| 拒收、退款Not-takens and disbursements | Disbursements@ | — |
| 寿险缴费问题Life billing | LifeBilling@ | 用支票影本缴费要先申请；美东下午 3 点前送到才赶上当天的佣金结算；用影本就不要再寄原支票Paying from a cheque copy must be requested; copies by 3 p.m. Eastern make that day's commission cut-off; if you pay from a copy, don't mail the live cheque |
| 年金：非 eApp 申请、补件、签收回执Annuity: non-eApp applications, requirements, delivery | Imaging-new@ | — |
| 年金适当性审查Annuity suitability | AnnuitySuitability@ | — |
| 年金缴费问题Annuity billing | Billing@ | — |
| 自动扣款：新 1707、停扣、改扣款EFT: new 1707, stop or change a draft | EFTTeam@ | — |
| 生效后变更、定期转换After-issue changes, term conversions | ContractChange@ | 见第六节See section 6 |
| 生效后的 1035 转单1035 exchanges after issue | Replacements@ | — |
| 改受益人、社安号、持有人Beneficiary, SSN, owner changes | TitleDepartment@ | — |
| 已生效寿险 / 年金客户服务In-force life / annuity service | LifeCustomerService@ / AgentServices@LifeCustomerService@ / AgentServices@ | — |
| 核保询价、方案设计、网站问题Underwriting quotes, case design, website issues | XRAE · NLGSalesDesk@ · HelpDesk@XRAE · NLGSalesDesk@ · HelpDesk@ | 核保询价走 Agent Portal 上的 XRAE，需要核保员看的在 XRAE 里点 MessagingUnderwriting quotes go through XRAE in the Agent Portal; use its Messaging link when an underwriter needs to look |
以上地址都是 @NationalLife.com，截至 2023 年 12 月；部门地址偶尔会调整，以 Agent Portal 上的当期联系表为准。
All addresses are @NationalLife.com, as of December 2023; departments occasionally change, so the current contact sheet in the Agent Portal governs.
十二、退件清单：交之前过一遍12. The kick-back checklist
签名与日期
Signatures and dates
- 代理人、被保人、持有人三方都签了、都写了日期
- Agent, insured and owner have all signed and dated
- 未成年人由父母 / 监护人签，申请书和 HIPAA 都要
- A parent or guardian signs for a minor, on both the application and HIPAA
- 夫妻共同财产州与 ERISA 账户有配偶签字
- Spousal signature in community-property states and ERISA accounts
- 需要公证的（质押权人、不可撤销受益人、有限授权书）已公证
- Notarised where required (assignees, irrevocable beneficiaries, limited POA)
内容
Content
- 表格是当期版本，州别版本对（加州用 CA 版）
- Current edition, correct state version (CA forms for California)
- 没有 N/A、没有空题；「是」的题都有细节
- No "N/A", no blanks; every "yes" has details
- 涂改有缩写；日期、代理人、分单比例没有涂改
- Alterations initialled; dates, agents and splits untouched
- 「是否用了演示」已勾选，演示页码齐全
- Illustration box ticked, illustration pages complete
附件
Attachments
- IUL 有指数策略分配表
- Index allocation form for an IUL
- 非公民附绿卡或签证影本
- Green card or visa copy for non-citizens
- 有任何现有保单就有 8027；替换有 1035 / 9685 与最近报表
- 8027 whenever cover exists; 1035 / 9685 and a recent statement for replacements
- EFT 附作废支票
- Voided cheque with the EFT
留给客户的
Left with the client
- ABR 披露书、HIPAA、HIV 同意书各一份
- A copy each of the ABR disclosure, HIPAA and HIV consent
- 替换告知书副本
- A copy of the replacement notice
- 加州：20667，65 岁以上加 8196，Medi-Cal 告知 9402
- California: 20667, plus 8196 at 65+, and the 9402 Medi-Cal notice
- 自己的档案：适当性记录至少保存 10 年
- Your own file: keep suitability records at least ten years
ForeSight 演示系统按「Save」没反应、存不了案子，几乎都是因为你的代理人资料里没有执业州（Jurisdiction）。 到 Reports → Producer Override 看 Jurisdiction 是否空白；空白的话，Select Producer → Add Contact 新建一个填好州的联系人， 再把它设成 Default。之后就能保存了。
When ForeSight won't save a case (Save does nothing), it's almost always because your producer profile has no jurisdiction. Check Reports → Producer Override; if Jurisdiction is blank, go to Select Producer → Add Contact, create a contact with a state, and set it as Default. Saving works after that.
本页为内部整理，不是保险公司或 PFA 的官方说明。 表格版本、附约与州别规定会调整，递交前以 Agent Portal、eApp 与总部当期要求为准； 税务与退休计划问题请客户咨询会计师或税务律师。
Internal notes, not an official statement by any carrier or by PFA. Form editions, riders and state rules change; check the Agent Portal, the eApp and current home-office requirements before submitting, and refer tax and retirement-plan questions to a CPA or tax attorney.