Be independent.
Build on a clearer platform.
LAD is a brokerage general agency for licensed agents working with fixed annuities and life insurance. Review verified information, organize case records, and confirm the responsible next step. Carrier access, appointments, products, and timelines vary by state and carrier approval.
Carrier access organized around your practice.
Confirm carrier, product, state, and appointment availability with the LAD team before presenting or submitting a case.
Three operating questions. Start there.
Confirm the evidence, workflow, and responsible person before deciding whether LAD fits your practice.
Clear compensation terms
Review the applicable carrier and product commission schedule before contracting or placing business. Actual compensation varies by agreement, product, state, and carrier.
Ask about compensation records →Modern broker platform
The broker platform is designed to help authorized users organize the records involved in quoting, applications, and commissions. Carrier-connected automation varies by integration.
See how it works →A real person with easy access
Confirm the named contact, service boundary, and escalation path for the intended relationship before work begins.
Read LAD's operating principles →Review, apply, confirm, reconcile.
Use the workspace to organize records while carrier materials, decisions, and statements remain the controlling sources.
Review information
Review only rate records that pass the applicable source and freshness checks. Confirm product, state, licensing, and appointment requirements before client use.
Create the application
Create the application and keep the relevant details together. Confirm the carrier's required forms, suitability process, and authorized submission channel for the case.
Confirm status
Record case status and outstanding requirements in the dashboard. Automated carrier updates vary by integration and carrier.
Reconcile records
Record expected and received commission details for reconciliation. Signed schedules and carrier statements remain controlling.
Use only verified-current rates.
Life insurance pricing depends on underwriting, the carrier, the product, and the state, so confirm it with the carrier for each case. For MYGAs, LAD shows the last-updated date here when approved source data is current; missing or stale rate data stays hidden. Confirm all product details before relying on a quote.
A clear path from application to carrier approval.
When the parties proceed, use the authorized contracting process. Each carrier controls its own review and appointment timeline.
Broker inquiry
Provide the requested producer and business information without including client personal information.
Scope review
LAD reviews the producer's licenses, states, intended business, and operating requirements before proposing a next step.
Applicable contracting process
If the parties proceed, complete the required producer information through the authorized provider process. Consent is required before any PDB report retrieval.
Carrier review
Each carrier reviews the request on its own timeline. Record the carrier-confirmed result and any additional requirements.
Eligibility confirmed
Once the required appointment is active, confirm product and state availability before presenting or submitting business.
Questions every broker asks before they apply.
Have a question for LAD?
Use the appropriate inquiry route and do not send client personal information through ordinary email.
Contact LAD →