Protective – Year-End Guidelines


From Protective

To expedite your business during this time, please be aware of the year-end processing guidelines:


Key dates:


Term applications Perm applications
Ticket submission November 8 November 1
Interview complete November 15 November 8
Submission of 1035 cases N/A November 1
Finalize underwriting requirements November 29 November 29
Policy issue December 20 December 20
Premium and delivery requirements December 30 December 30


To place a case in-force for year-end 2021, all necessary forms and underwriting requirements should be in-house by the close of business on Monday, November 29. This will allow underwriting adequate time to have the case approved, issued, and placed. We will make every effort to accommodate all cases completed by year-end. For assistance with special cases, contact your Regional Vice President or Protective Case Manager.

New business
Delivery requirements received in the Birmingham Home Office by 1 p.m. CT on Wednesday, December 29 will be processed as 2021 paid activity.

Policy revisions
Policy revisions delivery requirements, including internal replacements and conversions, received in the Birmingham Home Office by 1 p.m. CT on Tuesday, December 21 will be processed as 2021 paid activity.

Commission processing
In December, multiple commission cycles will run to credit your year-end business. The final commission cycle for the year will be made on Thursday, December 30.



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