An NAIC compliant illustration must be prepared and presented to the applicant prior to the completion of the life insurance application. The signed illustration should be submitted with the application to prevent delays in processing.
The e-App will prompt you to “Upload” the full illustration, and you can choose to attach an illustration that is either currently signed (prior to upload) or unsigned (will be signed with the application forms).
California requires that all pages of a signed illustration are submitted with the life insurance application. F&G can only process California applications that include this signed illustration. In other states, you will have the option to complete a Statement in Lieu of an Illustration, or you can attach the full illustration.
For applications outside of California, you will have these options:
For California applications, you will have these options. Please see the California Illustration requirements section for additional information.