How do I submit Debt Free Life applications and what is the APV I record?

Debt Free Life Policies written with carriers Lafayette Life, Foresters, and Mutual Trust Life should be submitted in Opt! using the Base Policy amount and all riders. Do not include the premium associated with the Paid-Up Additions (PUA) rider as this is a contributory amount and is not a required monthly premium to keep the policy inforce. 

• Illustrations must be included in the application submission process!  
• If you are writing a whole life app with one of these carriers, you must include the illustration even if it is not a DFL application.  

Please Note: Failure to include the illustration could prevent your app from inclusion on weekly SFG Leaderboards.