IN HOUSE APPLICATION PROCEDURE GUIDELINES
FOR SHORT TERM TRAVEL PRODUCTS
GENERAL PROCESSING OF APPLICATIONS:
1. Application and proper payment are received.  The application is date stamped when received
by IMG.
2. Certificate Administration verifies the correct premium and the requested effective date.
3. Certificate Administration enters information in the system and deposits the check or debits 
the credit card for payment of premium.  
4. The short term travel products require no medical underwriting because they are automatic 
issue. However, if improper premium is mailed, the credit card will not process or the 
applicant does not meet the eligibility requirements, the application will be returned to the 
applicant or producer.
5. A fulfillment kit is processed by Certificate Administration and mailed to the insured's address
listed on the application. The fulfillment kit includes: an I.D. card, introduction letter and 
claim forms (for many products, online fulfillment is also available).
6. Approximately 30 days before expiration, notification is sent to the insured. If the insured 
elects to continue coverage and the original plan is ExPatriot Plus, the coverage period may 
be extended (renewed). For most short term products, the coverage cannot be extended, 
however, a new coverage period may be purchased. The original writing producer will 
automatically receive credit.  
7. Commissions are paid on the 10
th
of the month for the previous month's earned premium.
Commission checks are issued regardless of the amount of the earned premium.
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