Start the E-App, and move the money the right way

Confirm the facts first. Then hand over the papers, open E-App for your client's state and move the money by its source.

Do it in Genius

E-App→ New Application→ Jurisdiction→ Carrier→ Annuity type

Practice Client, 3 Nov 2026: New Application opens for Texas with three filters: Jurisdiction, Carrier and Annuity type.

Open E-App in Genius (opens the app in a new tab)

In the app: E-App

(opens full size in a new tab)

1. 1.

   Confirm owner, annuitant, beneficiary, home state and exact birth date. Wrong state or birth date? Click the pencil, then Update Client.

   Annuitant

   The person whose life the payments are based on.

   Example: Compliance check flagged the birth date as a placeholder. E-App says it prefills from your client's data.

2. 2.

   Give the client the Buyer's Guide and the insurer's disclosure document at or before the application. An illustration does not replace them.

   Buyer's Guide

   A consumer guide to annuities from the NAIC, the group of state insurance regulators.

   Disclosure document

   The insurer's own summary of what the contract promises, what it does not, and what it costs.

   Face to face, hand them over before the client signs. Otherwise ask the insurer: rules vary by state and product.

3. 3.

   Pick the route for the money. IRA: trustee transfer. Employer plan: direct rollover. Old annuity or life policy: 1035 exchange. Savings: check or wire.

   Trustee transfer

   IRA money moves straight from one firm to another. It never passes through the client.

   Direct rollover

   Employer plan money goes straight to the new plan or IRA. It is not paid to the client.

   1035 exchange

   A tax-deferred swap of one annuity for another, or a life policy for an annuity, insurer to insurer. Cash paid to the owner can make it taxable.

   First check the product takes this money: Annuity info, Purchase, Eligible Funding Sources. A 1035 exchange is a replacement too. Ask the insurer which transfer forms go with it.

   • Check the product takes this client
4. 4.

   In E-App, New Application, check Jurisdiction and Carrier, pick the product. Set ownership, tick It's a replacement if so, click Create Application.

   Go through the pages, click Find Errors, fix what it flags, submit. The case in E-App then reads Complete.

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