Ember | SILAC

Ember is a group of our top agents and marketers that collaborate to provide expertise on new ideas and innovation to strengthen SILAC and the annuity industry.

By being part of Ember, you represent the thousands of agents contracted with SILAC. By tapping into your wealth of industry knowledge, our commitment is to make it easier for you and all SILAC agents to do business with us.

Membership is by invitation only.

Click below to learn more:

Program Details Frequently Asked Questions

HOW TO QUALIFY FOR EMBER

To be considered for the 2026 Ember group, you must have written $10 million in qualifying premium. Applications must be submitted January 1, 2025 to December 31, 2025. Qualifying premium must be issued by January 14, 2026.

Once you’re in Ember, you have access to unique and exclusive benefits that include:
» Bonus Program » The SILAC Experience » Curated Swag
» Quarterly Meetings » Annual Member Trip

BONUS PROGRAM

Earn a bonus on issued premium! Please contact SILAC for more details.

The SILAC® Experience

The Ember service team provides you with an elevated level of service. An Ember service representative can assist with all service needs such as contracting, commissions, new and pending business, policy owner services and more. You can reach the Ember service team by phone or email.

Curated Swag

Get ready for a rewarding membership experience, complete with heightened gifting experiences.

Ember Trip

Join us on a spectacular yearly trip to a destination filled with incredibly memorable experiences. More details will be forthcoming on this year’s trip.

Quarterly Meetings

We look to you as an expert in our industry. The meetings are an opportunity for Ember to collaborate on new product ideas and features, provide service feedback, system enhancements, and so much more.
Meetings are quarterly and may be held in-person or virtually.

Download the Ember Flyer

Frequently Asked Questions

1. When do I officially become a member of the Ember program?

Once you have $10 million in qualified premium, you will be invited to the Ember program.

2. how long is my membership?

Your membership continues through the end of the current calendar year.

3. Can I split my membership with another agent?

No, all agents must individually qualify.

4. How does the top of PHONE queue work?

When you call into our service lines, our phone system will automatically route your call to the Ember service team. You will need to complete the membership form listing all phone numbers you routinely use to call our service teams. Once we receive the completed form, the provided phone numbers are programmed into our system, so your calls are recognized and prioritized as an Ember agent or marketer. You will be greeted by an Ember service representative who can assist with all service needs.

5. How does the bonus program work?

The bonus paid is based on total qualified issued premium according to the product weights of 100% for FIA and 50% for MYGA premium. Applications must be submitted 1/1/2025 to 12/31/2025 and issued by 1/14/2026.

Applications submitted in a prior qualification period but not issued during that qualification period must be issued by 1/14/2026 to count for the current qualification period. Anything issued after 1/14/2026 will be considered for future programs. Any premium counted towards a prior qualification period will not be counted for the current qualification period. Once you achieve a new tier, the bonus is paid retroactive back to the first dollar within the calendar year.

6. WHEN WILL THE BONUS BE PAID?

The bonus will be paid annually.

7. Does additional premium qualify?

Yes, additional premium applied during the current qualification period will count, assuming it’s applied by 1/14/2026.

8. Does MYGA renewal premium qualify?

No, MYGA renewal premium does not count towards Ember qualifying premium.

9. Are chargebacks factored into the qualification criteria?

Yes, any premium associated with a charge back will be deducted from your qualifying premium.

10. DO SPLIT CASES COUNT?

Yes, split cases count towards Ember qualification. For any split policy, the qualifying issued premium will follow the split percentage for the policy.

11. How do I find out what my total issued premium is and what bonus tier I qualify for?

Contact the Ember service team for updates on your qualified premium. The Ember team can help you with all service needs.

12. Can a qualifier be removed from Ember?

Yes, it is possible to be removed from Ember. Agents and marketers must be in good standing to remain in Ember.

13. Can an Inner Circle agent be in the Ember program at the same time?

No, an Inner Circle agent cannot be in the Ember program at the same time. If an Inner Circle agent is invited to the Ember program, they will receive the benefits of the Ember program only.

14. Does my SILAC sales team contact stay the same?

Yes, your Sales Team contact will remain the same. Reach out to them for any sales-related questions.

15. What is the Players Circle?

The Players Circle agent trip is a part of the Inner Circle program but has different qualification requirements. Please see the current Players Circle flyer on the agent portal for more details.