New Era Contracting & Appointment

New Era Life Insurance Company was incorporated in 1924 and current management took over in 1989. Throughout its history, the New Era family of companies has provided quality, affordable insurance and financial products highlighted by outstanding customer service.

New Era is in the A.M. Best "Secure" group of insurance companies with a current rating of A- (Excellent). A.M. Best is the leading provider of ratings for the insurance industry. Their ratings are recognized as the benchmark for assessing the financial strength of insurance organizations.

Our Companies include:
New Era Life Insurance Company
New Era Life Insurance Company of the Midwest
Philadelphia American Life Insurance Company

New Era is online at NewEraLife.com.

New Era Products and State Availability

These are New Era's current products and state availability for 2023, as well as information on contracting and appointment.

PALIC Enhanced 24 Hour Accident Expense

View this information as a web page.

State Availability

Last review date: 05/23/2023

AL AR AZ GA IA ID IL IN KS LA MD MI MS NC NE NV OH OK PA SC SD TN TX UT VA WV

Plan Information

  • Issue ages 0 to 75.
  • Guaranteed renewable to age 80.
  • One or 2 units of coverage is available.
  • $50,000 or $100,000 of Accidental Death benefit.
  • Individual, Individual and Spouse, Single Parent, Family, and Child(ren) only plans are available.
  • Plan pays in addition to any other insurance.
  • Optional Accident Disability Income Benefit is available for the Primary Insured.
  • E-Enroll available.

Benefit Features:

  • Accidental Injury – $2,000-$4,000
  • Accidental Death – $50,000-$100,000
  • Ground or Air Ambulance – $5,000-$10,000
  • Hospital Income – $150-$300
  • Dismemberment – $500-$20,000

Optional Accident Disability Income Rider: $1,000-$2,000

If the primary insured incurs an accident disability, they will pay a monthly disability benefit, beginning the 31st day, up to the period selected (12 or 24 months). Applies only to the Primary Insured and pays up to 60% of their gross income.

* Plans may vary by state. See specific plan details for MD and MI.

Request a Product Kit for New Era PALIC Enhanced 24 Hour Accident Expense

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Critical Illness

View this information as a web page.

State Availability

Last review date: 05/23/2023

AL AR AZ CA GA IA ID IL IN KS KY LA MI MO MS NC NE NM OH OK OR PA SC TN TX UT WI

Plan Information

Crisis Recovery Critical Illness provides a lump sum cash benefit directly to the beneficiary on the diagnosis of a covered illness.

Benefit Amount: $10,000 – $50,000 for both Applicant and Spouse, and $10,000 for each Dependent Child.

Category One Benefits:

  • Cancer (Internal Cancer) and Non-Invasive Carcinoma In-Situ

Category Two Benefits

  • Heart Attack, Stroke
  • Coronary Artery Bypass
  • Angioplasty, Pacemaker Implant (single and double-chambered)
  • End-Stage Renal Failure
  • Organ Transplant (kidney) and Organ Transplant (heart, lung, liver, and pancreas).

A benefit percentage will be paid for the first diagnosed illness or procedure in one category of benefits. Should a second diagnosis of a condition or procedure in another category arise, the maximum benefit will be paid again. If a partial benefit is paid, the remainder of the benefit will be payable upon the diagnosis of another covered condition.

Plan is guaranteed renewable. E-enrollment available. Accident Expense Policy, including Accident Expense Optional Benefits, can be coupled with the Critical Illness.

Policy may vary by state.

Request a Product Kit for New Era PALIC Critical Illness

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Dental Choice Plus

View this information as a web page.

State Availability

Last review date: 05/23/2023

AL AR AZ GA IN KS LA MI MO MS NE OK PA SC TN TX UT WI

Plan Information

PALIC Dental Choice Plus is a hybrid dental insurance plan combining traditional dental insurance with network providers’ discounts.

Standard and Enhanced plans: Calendar Year Maximum Benefit: $1,500 and $2,000.

Orthodontic and Prosthodontics Lifetime Maximum: $1,000 for each type of service.

  • Plan Type options: Individual, Individual and Spouse, Individual and Child(ren), and Family.
  • No waiting periods on Diagnostic and Preventative service and paid at 100% when using a network provider.
  • No waiting period on major service and receive pre-negotiated prices when using a network service provider.
  • Freedom to choose your healthcare provider – Dental Choice Plus will pay the non-network provider at the same rate as if in-network. The insured will be responsible for any non-network charges that are in excess of the pre-negotiated network fees schedule.
  • E-Enrollment available.

Vision, Lasik, and Hearing products are discount products that can be included at no extra cost; these services are not insurance.

Request a Product Kit for New Era PALIC Dental Choice Plus

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC MA Gap / Hospital Indemnity

View this information as a web page.

State Availability

Last review date: 05/23/2023

IA IL MS NC NE NV OH PA SC TX

Plan Information

Many times, seniors are burdened with significant out-of-pocket costs incurred from their “low cost” or “no cost” Medicare Advantage (MA) plan. Philadelphia American’s MA Gap Plan is a Hospital Indemnity plan designed specifically to ease the burden of these out-of-pocket expenses by providing fixed benefits to help pay for doctor office visits, urgent care visits, annual wellness visits, emergency room visits, hospital confinement, skilled nursing care, ambulance services, inpatient and outpatient surgery, diagnostic testing, x-rays, radiology, lab tests, acupuncture, and prescriptions (optional).

Philadelphia American’s MA Gap Plan provides 3 levels of benefits (Basic, Select, Premier) with varying levels of fixed benefit amounts based upon the level chosen.

Request a Product Kit for New Era PALIC MA Gap / Hospital Indemnity

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Health Saver Plus Gold Edition

View this information as a web page.

State Availability

Last review date: 05/23/2023

AL AR AZ GA IA ID IL KY LA MI MO MS NC NE OH OK OR PA SC TN TX UT WI

Plan Information

PALIC’s Health Saver Plus Gold Edition Policy offers policyholders a growing number of tools, resources and value-added benefits that are sure to help you navigate through the costly and complex healthcare and marketplace.

Calendar Year Maximum Benefit: $100,000, $250,000 and $1,000,000

Lifetime Maximum of $5,000,000 per policy.

Calendar Year Confinement Deductible: $100, $500, $1,000, $2,500, $5,000, $7,500 and $10,000.

Hospital Indemnity Benefits: (benefit levels are Gold Value, Gold Plus and Gold Preferred)

  • Hospital Admission.
  • Hospital Confinement.
  • Hospital ICU.
  • Confinement for Mental Illness, Alcohol and/or Substance Abuse.
  • Confinement in a Rehabilitation Facility/Skilled Nursing Facility.
  • Outpatient Radiation or Chemotherapy.
  • Outpatient Hospital or Ambulatory Surgical Center.

Professional Services:

  • Inpatient Physicians Care.
  • Surgery Indemnity.
  • Inpatient Pathology/Radiology.
  • Assistant Surgeon Surgical Services.
  • Anesthesia Indemnity.

Additional Outpatient Benefits: Aggregate Calendar Year Maximum: $4,000 (Value), $6,000 (Plus), and $8,000 (Preferred).

Physician Indemnity; Specialist Physician; Surgery; MRI/PET/CAT Scan or Nuclear Testing; X-rays or Other Diagnostic Testing; Laboratory Indemnity; Injection Indemnity; Emergency Department Indemnity; Urgent Care Center Indemnity; Ambulance Indemnity; Generic/Brand Name Prescription Indemnity; Preventive Care; Mammograms; Colonoscopy Without Finding Polyps; All Other Care Preventative Services

Additional Plan highlights include the following: Telahealth Services and optional Critical Illness Rider or Policy.

Request a Product Kit for New Era PALIC Health Saver Plus Gold Edition

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Medicare Supplement

View this information as a web page.

State Availability

Last review date: 05/25/2023

AL AR AZ FL GA IA IL IN KS LA MD MI MS NC NE NJ NM NV OH OK PA SC SD TN TX UT WI WV

Plan Information

New Era NELIC, NELICM & PALIC all offer Medicare Supplement insurance. Medicare Supplement Insurance can help pay an individual’s share of some of the following healthcare costs that original Medicare does not pay: Annual deductibles, co-insurance, co-payments, and charges in excess of the Medicare approved amount. Benefits vary by plan.

  • Freedom to choose your own Medicare-participating doctor and Medicare-approved hospital.
  • Insurance that travels with you nationwide.
  • Fast electronic claims payment.
  • Guaranteed renewable.
  • E-App available.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for New Era Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

New Era Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

To view our Agent Docs Library, you'll need to either login or register for a free account:

Quick Links

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2023 launches on Wednesday, June 29, 2022.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2023 Certs will cover the remainder of 2022.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails