⚡Select one or more conditions to see carrier eligibility. Multiple conditions show which carriers can take the whole case.
Legend
Level — Full benefit day 1
Graded — Modified or time-based
ROP — Return of premium only
Decline — Will not issue
Carrier Quick Reference
⚖️
Enter height and weight above
Build eligibility results will appear here for all 7 carriers
BMI Notes by Carrier
AmAm
5 Tiers — Level/Graded/ROP(hi)/ROP(lo)/Decline
Too light OR too heavy can decline. Both ends of the range matter.
MOO
3 Tiers — Level/Graded/Decline
Under or over the range = Decline. No ROP tier.
Royal Neighbors
Preferred Rate Chart Only
Over max = Standard rate, not a decline. No minimum weight restriction.
Americo
Pass/Fail Only
In range = Level. Out of range = Decline. No graded tier.
Aetna & AIG
No BMI Requirement
Weight alone will not affect eligibility with these carriers.
Transamerica
BMI Factor — Verify Directly
BMI applies but specific chart not in this reference. Verify with Trans on edge cases.
💊
Quick Reference
📌Click any card to open or view a document. Use Download PDF to save client forms directly to your device.
👤 Employee Documents
📖
Employee Handbook
Effective August 1, 2025
Kenztara INC DBA Medicare On Main — policies, benefits, PTO, conduct standards, and all employment guidelines.
📄 Full Document🖨️ Print / Save PDF
🤝
Non-Compete & Confidentiality Agreement
Kenztara INC DBA Medicare On Main
Confidentiality, Non-Compete, Non-Solicitation, and Non-Disclosure Agreement. Required for all employees. Covers a 1-year post-employment restriction period.
⚖️ Legal Document🖨️ Print / Save PDF
⚠️
Employee Corrective Action
Written Warning Form
Fill out employee info, click to select core values in question, describe the incident, and collect employee and supervisor signatures. Download the blank PDF or fill out the interactive form.
⚠️ HR / Disciplinary📝 Interactive + Download
📊
Sales Performance Review
9 Sections · Interactive Form
Production, Competitiveness, Accountability, Teamwork, Self-Reliance, Humility, Integrity, Goals, Summary. Rate 1–10 and add written responses.
📝 Interactive + Printable💰 Sales Team
⭐
Service Team Performance Review
8 Sections · Interactive Form
Accountability, Teamwork, Self-Reliance, Time Management, Adaptability, Humility, Integrity, Summary. Rate 1–10 and add written responses.
📝 Interactive + Printable🛠 Service Team
📄 Client Forms — Downloadable
📋
Living Will & Health Directive
Health Care Directive + Power of Attorney. Covers life support decisions, end-of-life wishes, and appointing a health care agent.
📄 5 Pages🔏 Notary or 2 Witnesses📝 Fillable Blank Form
📜
Last Will and Testament
Covers property disposition to up to 3 beneficiaries, Personal Representative designation, and discretionary powers. Includes Testamentary Affidavit.
📄 5 Pages🔏 Notary + 2 Witnesses📝 Fillable Blank Form
➕
Add Client Form
Coming soon
🏢 Carrier Reference Guides — For Agent Use Only
🛡️
Silver Guard® Agent Guide
Baltimore Life Companies · Simplified Issue
Senior Life Whole Life · Ages 50–80 · Face $2,500–$25,000 · Standard & Special classes. Covers features, INSpeed® NOW submission, product selection, and paper app process.
📄 14 PagesAges 50–80🔒 Agent Use Only
💜
aPriority® Whole Life Agent Guide
Baltimore Life Companies · Simplified Underwritten
Participating WL · Ages 0–80 · Face $15K–$150K · Life Pay & 20-Pay. Covers all riders (ADB, Waiver, Children's, GIO, Disability Income), dividends, policy loans, and market applications.
📄 32 PagesAges 0–80🔒 Agent Use Only
➕
Add Carrier Guide
Coming soon
📧 Post-Sale Documents — Client-Facing Templates
✉️
Post-Sale Letter
Mailed to Client — 3 Pages
Welcome letter, Coverage Summary with policy details, and the ATTENTION replacement notice page. Sent by mail after policy approval.
👁 Interactive View⬇ Download PDF
📨
Post-Sale Email — RNA
Royal Neighbors of America — Emailed to Client
Approval confirmation with RNA branding, policy details, next steps (including RNA account setup link), Medicare review, free resources, and referral offer.
👁 Interactive View⬇ Download PDF
📩
Post-Sale Email — All Carriers
Aetna, Americo, AmAm, Trans, MOO — Emailed to Client
Same approval email template used for all non-RNA carriers. Policy details, next steps (including paperwork by mail), Medicare review, free resources, and referral offer.
👁 Interactive View⬇ Download PDF
📚 Quick Reference
📅
SS Payment Schedule
Social Security deposit dates by birthday
✍️
Signature Processes
Step-by-step by carrier (AmAm, Aetna, RNA, MOO)
⭐
Guiding Principles
Belief mindset, find the why, confidence
➕
Add Resource
Coming soon
🔒
PROPRIETARY & CONFIDENTIAL — MEDICARE ON MAIN / KENZTARA INC
This document and all information contained herein is the exclusive proprietary property of Medicare On Main / Kenztara INC and is intended solely for use by authorized, licensed agents contracted with Medicare On Main. Any unauthorized access, reproduction, forwarding, distribution, disclosure, or use of this material — in whole or in part — is strictly prohibited and may constitute a violation of applicable law. By accessing this portal, you acknowledge that this information is confidential and agree to maintain its security.