Tips & Tricks On How To Write The Perfect E-Application!

  • Before you write your first application watch GCU’s E-App Video
  • Review GCU’s Agent Underwriting guidebook
  • Non-Resident Licenses – you cannot write business in a state where you are not licensed with GCU
  • Beneficiary SSN preferred but not required. Do not use 000-00-0000 etc.
  • Client must have been seen within 12 months if 70 years or older and past 24 months if from ages 61-69
    • Walk-in clinics do not apply
    • Clients over the age of 50 must have a primary care physician
    • Height/Weight up to date
  • Legal names must be used – not nicknames
  • Policies are not printed and mailed until AFTER the policy is funded
  • Policies are mailed directly to the client
  • Commissions are released after application is finalized by UW and/or New Business. If something is outstanding then commissions will not be paid until that is received and application has moved to approved state.
  • All initial drafts must occur within 30 days of submitting the app. (Ex: if application completed on the 24th of the month, and client selects the 24th for the draft date, it will draft immediately)
  • Please make sure to list annual household income on the application. 
  • Please make sure Owner, Payor and Primary beneficiaries have insurable interest.
  • HIPPA form must be completed
Life Insurance:
GCU Whole Life Insurance
GCU Single Premium Whole Life
GCU Adult Term Insurance
Fixed Period Annuity
GCU Option A Annuity
Lifetime Income Options
GCU FLEX 8 Annuity
GCU Flex 5 Advantage Annuity
GCU One Plus Four Annuity
GCU Triple Advantage PLUS Annuity
Agent Website
Primary Phone(800) 722-4428
Commission Questions: Contact Miranda (mpetro@gcuusa.com) 
Underwriting Questions: Contact Bill (wschulok@gcuusa.com) or Amy (adouglas@gcuusa.com) 
Contracting Questions: Contact Deanna (ddodds@gcuusa.com)  or Jessica (jgillingham@gcuusa.com)
OFAC/KYC Questions: Contact Rebecca (rmeyers@gcuusa.com)
GCU Home Office: 855-306-0607 or agentservices@gcuusa.com
Final Expense:
Please watch the video below for a more comprehensive overview of the Final Expense product that we recommend with GCU.