text: Did you know….
  Protective’s Electronic Policy Delivery Rules Changed
  At the beginning of the year, Protective Life made some changes to our Electronic Policy Delivery (EPD) process.
  WHY The Change: Too often, Agents/BGAs were sending in paper delivery requirements on EPD policies…..i.e. they were printing the EPD documents and getting wet signatures. This complicates the policy placement process.
  Also, we were getting many requests to change from EPD to a paper policy, after issue (requiring a reissue). Only for many clients to come back to Protective saying they also wanted access to their policies online.
  CURRENT PROCESS: If the policy is issued electronically and paper delivery requirements are sent in, Protective will place the policy inforce. However, we will continue sending the Electronic Policy Delivery email reminders to the client for 30 days. This allows the policy owner to accept the electronic policy and therefore have online access to the document indefinitely.
  After 30 days we will revert the policy to paper and mail a paper policy to the client. Again, the policy is already inforce, but we mail a more aesthetically pleasing document to the client for their records.
  Best practices moving forward:
  - Have the customer accept the policy EPD instead of sending in paper delivery requirements
  - Request Paper delivery instead of EPD when the application is submitted.
  - Indicate with the delivery requirements, that the customer wants a paper policy, so we can cancel the EPD upfront…..i.e. we suspend the client emails from continuing to go out. And we mail a paper policy to the client.