Advisors Blog

Our GBS Life Insurance blog is here to help provide you with the most current news and resources to help you better serve your clients.

This information is considered reliable at time of publishing and statements and opinions are subject to change without notice.
Consult your Brokerage Manager for any updates.


GBS News: Accelerated Underwriting | High-Net-Worth Foreign Nationals | Charitable Giving | and more

Today’s high-net-worth clients may live or come from all over the world, but many share the same life insurance needs. Our expertise can help clients who have ties to the U.S. navigate the generational wealth transfer process with a program designed specifically for the high-net-worth foreign national (HNWFN) market.


GBS News: Laddering Term Policies | Prudential Founders Plus UL | Best Interest Training for Annuity | and more

With Select-a-Term Life Insurance, your clients choose the exact amount and period of coverage they need. Not only can they customize their coverage, it can help them save money on premiums with a technique called "laddering." Laddering means you buy multiple smaller policies that custom your tailor needs rather than one large policy. By laddering your policies, you purchase the right amount of coverage in the most cost-effective way.


GBS News: April Issue - Estate Planning

As advisors, we know that creating an estate plan is one of the most important things a person can do for their loved ones. As tax proposals offered by candidate Biden during his campaign, the current Biden Administration, and various members of the Congress are coming together for consideration, there is much pressure to tick priority items off as DONE well before the next election cycle and preferably as soon as possible. Below is a compilation of estate planning resources you can use with centers of influence and clients — from basic tools to sophisticated planning techniques.


REGISTER NOW! Five Ways to Help Boost Your Life Business with Pacific Life

GBS is happy to announce a new carrier partnership with Pacific Life. Join us to learn how these five opportunities will help boost your business.


GBS News: PacLife New Rates | Estate Planning | 2021 Tax Guide | and more

Effective March 29th, Pacific Life Insurance adjusted rates for their PL Promise Term product for all states except NY. Cases that are issued (for delivery) through May 28, 2021 automatically receive the better of the old and new PL Promise Term rates. No request is necessary. This date provides a 60-day transition from their new rate launch date. Cases that are issued after this date receive the new PL Promise Term rates.


Principal: Drop Ticket Required for Most Term Cases for Speedier Service

Beginning April 1, 2021, Principal’s excellent drop ticket system must be used for all Term application submissions up to the maximum applicable Accelerated Underwriting face amount ($3 million for issue ages 18-40; $2.5 million for issue ages 41 and older). Note: Paper applications will NOT be accepted where drop ticket is required.


GBS News: Digital Solutions | Selling Fixed Annuities | Executive Term | and more

As agents have been shifting to virtual meetings with their clients, tools such as eApp, Accelerated Underwriting and eDelivery are becoming invaluable. Utilizing the Drop-Ticket process, combined with Accelerated Underwriting and ePolicy Delivery makes it faster and easier for eligible clients to get life insurance without seeing anyone face-to-face, and in many cases will allow the client to apply without an exam or blood draw, resulting in an entirely virtual, paperless process with no in-person meetings.


GBS News: Important Carrier Product Updates and Announcements

GBS can now offer Pacific Life’s very competitive Promise Term and Promise GUL plans as well as their fluidless underwriting program.


Underwriting Life Insurance for Marijuana Users

While admitted marijuana usage appears to be increasing among insurance buyers, underwriting those risks is becoming more complex. Currently, more than half of U.S. states allow medicinal or recreational use of marijuana and that number is expected to continue growing. With the ability to legally purchase marijuana in most states, many insurance carriers are responding with more liberal underwriting rules.


Top 10 Blog Posts of 2020

Planning for the unexpected and the work you do with the protection products you help put in front of clients has never been more important. For us, continuing to provide helpful content was just a small part of the service we hope we delivered to you. Although we are anxiously looking forward to 2021 and everything we have planned to help you make it your best year yet, we like to take time to reflect on how we did and look back at what content resonated most with you. To that end, we’ve compiled a list of some of our most popular and interesting blog posts of 2020.


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