Please note, carriers do change from time to time, but overall here is what new agents can expect from each carrier.

No matter the carrier, you MUST have a signed contract on file before you solicit business for any carrier.

Accendo- You must wait for a writing number
AIG- You must wait for a writing number
American Amicable- You will receive a pending writing number. You must wait for that to solicit/submit business
Americo- You must wait for a writing number to submit business
CFG-You can write for CFG using paper apps found here.
Foresters-You can write immediately using paper apps UNLESS you live in CT, MA, NM, LA, PA
Gerber-You can write immediately UNLESS you live in LA, OK, AL, PA
Great Western- You must wait for a writing number (they are now e-App only)
Mutual of Omaha-You can write immediately UNLESS you live in PA, MT
Royal Neighbors-You can write immediately UNLESS you live in CT, NM, PA