Conservation consists of Banking Notices, Underwriting Bulletins, Policy Modifications, Lapse Notices and Other Miscellaneous Notices from Home Office.

The Writing Agent has 7 Days from when the conservation piece shows up in IMPACT (the IMPORT DATE) to where they are the only agent that can work on it.

Days 8, 9 and 10 the conservation piece can ALSO be worked on by the MGA's conservation team.

From day 11+ the conservation piece can ALSO be worked on by the SGA's conservation team.

AGENTS SHOULD CHECK THEIR POLICY MODS & CONSERVATION EVERY DAY so that they can resolve it within the first 7 days and prevent it from being recoded.

Agents and MGA teams have a limited amount of time to complete their Conservation before it is recodable outside of the MGA team.

When a policy is recoded it is as if the recoding agent wrote it. They will receive all advances and renewals.

The writing agent will lose their advance and future renewals.

Non-Sufficient Funds (NSF)

Invalid Accounts (Incorrect routing or account #s)

Will WTH (Withdraw) with a NOPRD attached and will need to be REOPENED to fix.

Need to be resolved prior to the NTO date.

If not resolved will NTO (Not Taken Out) - the client is refunded all premiums paid and the agent has their advance reversed.

Will need to be REOPENED to fix.

When the writing agent receives a POLICY MODIFICATION it will indicate if there is a COD and/or if there is an amendment that needs the client's signature.

You will be able to download the amendment from IMPACT.

If it indicates an amendment is required but is not attached you need to Request the Signed Amendment using the REQUEST SIGNED AMENDMENT Button in IMPACT OR send an email requesting the amendment to policyissue@ailife.com.

When you receive an RT-99 you should wait until you also receive the Policy Modification before contacting the customer so that you have all the information.

Need to be resolved prior to the INC date.

If not resolved, will INC (Incomplete) - the client is refunded all premiums paid and the agent has their advance reversed.

Will need to be REOPENED to fix.

SGA may place a NOPRD on the policy if bulletins is not resolved by the INC date.

Indicate policies that have been issued but are no longer Normal Premium Paying (NPP) and need to be Reinstated.

It is VERY IMPORTANT that you understand what a NOPRD is and how it is used by the company and our agency to improve your quality score and the quality score of your agency.

If you would like further clarification - [click here to schedule a quick zoom with JB](https://tidycal.com/johnwbernet) to clarify.

As an agency we can apply a NOPRD at anytime up until a policy is issued (a policy is issued when underwriting is completed).

This means we can add a NOPRD to help protect an agents quality score if in that time we determine the client no longer wants to keep the policy.

Effects of a NOPRD being Applied to a Policy by our Agency

Home office applies NOPRDs to policies for various reasons during the underwriting process.

These are temporary and not a cause for concern.

When our agency applies a NOPRD the agents advance will be reversed immediately.

This cannot be reversed.

What about my advance/commission?

If an initial advance was paid to the agent it will be immediately reversed.

As long as the policy stays in force, the agents full commission will continue to be paid into the agents back end each month as the client pays their premium. After 12 months the agent will have been paid 100% of their commission.

What about my Total Production # and Bonuses?

Once home office applies the NOPRD the business will no longer count toward YTD Production and as such no bonuses will be paid.

What about my Quality Score (Net to Gross/Retention)?

Once home office applies the NOPRD to a policy the policy is no longer included in the Quality Score at all. It is as if it never happened.

How does this make me more money?

Applying a NOPRD to a policy will INCREASE an agents Retention score because it will eliminate policies that would have otherwise fallen off for DCL (Declines), WTH (Withdrawals) or INC (Incompletes).

Agents with a higher than average Retention (the majority of the Moore Agencies) will be paid WGB boosts of 10%. 20% or 30%.