Table of Contents
Contracting Process Overview
A paper contract must be completed and submitted to the carrier for all new agents to WAP whether they are new or already contracted and aligned with another FMO. Contracting is open all year, keep in mind the processing of any contracting requests can be delayed from mid-July through the end of October so plan ahead and submit your requests early! Certification is not available until agents have submitted a contract to the carrier. All certifications are completed online, no F2F certification is required.
A paper contract must be completed by all new agents, agents transferring from another FMO or the ICA Channel. Download the contract documents that must be completed and submitted to start the process.
Hierarchy Transfer & Release Policy
Western Asset Protection (WAP) Transfer & Release Rules
- WAP will allow one hierarchy transfer per carrier per calendar year and we will not honor any requests placed from August 15 – December 15.
- Additionally, WAP’s free release policy is suspended each year from August 15 – December 15
- To facilitate a hierarchy transfer, the agent must:
- Provide a written release from their immediate upline. This may be in the form of an email.
- Sign a new WAP Hierarchy Form for each carrier involved in the hierarchy transfer and submit to WAP.
- Some carriers have additional steps involved in a hierarchy transfer or release. WAP will advise the agent and agency of any specific carrier process at the time of the request.
UnitedHealthcare (UHC) Transfer & Release Rules
1. With Full Release from Upline
If you have a full release from your upline to leave the hierarchy, you can simply submit that release to UnitedHealthcare and complete and sign a contract under the new hierarchy.
No notice of intent is needed and the waiting period doesn’t apply! However, the blackout period does apply, so releases obtained between September 1 and December 31 are not allowed to move until January 1 of the following year.
2. No Release from Upline
In order to change hierarchy, an agent or agency submits a notice of intent to Agent Onboarding at email@example.com.
Agent Onboarding will confirm receipt of the notice of intent and give the agent a date when the new upline can submit a new contract for the transfer. This is also copied to the original upline.
There is a six-month waiting period for a transfer from the date of the notice of intent to when a new contracting packet can be submitted. During that time, the agent will remain under the original hierarchy and can still sell UnitedHealthcare plans.
- Please note that there is a blackout period September 1 through December 31 to reduce disruption during the Annual Enrollment Period.
- Agents who submit a notice of intent dated between April 1 and July 1 will be able to submit a new contract January 1 of the following year.
After the six months is up, the new upline has 30 days to submit a new contracting packet. If the new contract isn’t submitted in that timeframe, the agent will remain with that current hierarchy. At that point, a new notice of intent would be required and the six-month waiting period would start over.
Note that if an agency wants to change hierarchies, every single person in that agency’s downline will also be required to recontract. If an agent in a downline decides NOT to move along with their upline agency to a new hierarchy, they have that right and are not required to recontract.
To add a state appointment to your contract, complete the Non-Resident Appointment Request Form.
Email the form and a copy of your license(s) to firstname.lastname@example.org.
If your contract is in your agency name (corporation contract), you will need non-resident licenses in both your name and your agency. Adding a license can take 7-10 business days and you should not sell in that state until you have verified your license appointment status on the UnitedHealth producer portal.
Please also review the UnitedHealthcare Non-Resident Appointment Renewal Fee Chart for information on state renewal fees and their frequency.