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Attention PIANC Members! A new member benefit from Transamerica Employee Benefits.


We at Capitol Financial Solutions can’t say enough about how easy this program could be for you and for your clients. We would love to get each of you, your agency, and your small business clients up and running on this great opportunity. The appointment with Transamerica Employee Benefits through Capitol Financial Solutions is handled over the phone and through follow up emails. That part is simple too. AND, this product pays a traditional RETAIL commission in a group market. A win-win for all. The rate sheets we can provide you and your clients are simple as the same regardless if your group has 5 employees or 500. There is a simple one page application for each of your clients’ employees along with simple guidelines listed below for any of three underwriting/issue classifications based on size of group and participation. Click here for our sample employee application. Click here here too for our simple underwriting/issue guidelines.

Simplified Issue – Questions 1 through 7.
Conditional Guarantee Issue – Questions 1 through 4.
Guaranteed Issue – Question 1 ONLY.
Employer Paid Process – 2-Page Employer Application with copy of Census (NO Employee Apps Needed!)

AND… you only need 2 full time employees to apply to get Simplified Issue!

Contact your Regional CFS Insurance Specialist today for more information and to start your next quote.







Information on Non-Med Term Insurance from Assurity and MetLife


Do you or your clients need Ultra Life Protection? Click here to read more...


What is a SNAP-app? It’s a one-page generic life insurance application that can be used for all fully underwritten
life-insurance products available through The Milner Group.

How does it work? Use the SNAP-app in your initial client interview when selling a quote. Please complete ALL sections of the one-page SNAP-app along with the Agent Signature Page, and and return to your Regional Insurance Specialist (Click here for a list) or to Capitol Financial Solutions at newbusiness@capfs.com or by fax to 804-285-5800 for prompt processing.

Thank you for your business! We at Capitol Financial Solutions look forward to serving you and your clients’ needs. And REMEMBER, submit your completed SNAP-app to your Regional Insurance Specialist or to Capitol Financial Solutions at the email or fax number above.





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Professional Insurance Agents of North Carolina   PO Box B, Henderson, NC  27536

877.401.6822   Penny.Rose@piaofnc.com    or    877.987.4262  Jim.Kennedy@piaofnc.com