Advisors Blog

GBS News: SBLI No Exam Up to $750k | Offer Match Program | Symetra Accelerated Underwriting | and more

Published on October 22, 2020



NO Fluids, NO Exam, Now up to $750k - Guaranteed No In-Person Contact - For All Risk Classes

SBLI's unique Accelerated Underwriting process guarantees no face-to-face contact for all clients, ages 18-60 seeking $750,000 or less of Term for all risk classes. SBLI guarantees that no one will be redirected to our traditional underwriting process. To get started, log-on to to our GBSLife Agent Portal and complete an SBLI drop ticket through iPipeline iGO and the fulfillment center does the rest. Preparation is key to ensuring the process goes faster and more smoothly. To ensure your client is prepared for the call, click here to share the Preparing for your Accelerated Underwriting Call guidelines. For more details on the program, click below.


Nationwide Will Match Offers on Trial or Formal Applications

Did you know Nationwide will match a client's trial or formal offer on their permanent products from any qualified carrier? That's just one of the ways Nationwide's Intelligent Underwriting is evolving to provide more competitive offers to you and your client. Click below to learn more about their Offer Match Program. 


Introducing Symetra's Accelerated Underwriting Program

Symetra's Accelerated Underwriting Program is designed to offer clients a permanent life insurance policy without completing an exam or submitting an APS. Clients ages 18 to 50 can receive up to $2 million in coverage, and clients ages 51 to 60 can receive up to $1 million in coverage, if they receive a Standard rate class or better.


AIG Announces Revisions to Their Temporary Guidelines

AIG is pleased to announce they are revising their temporary guidelines to provide more opportunities for cases to be underwritten, approved and issued. These guidelines are effective immediately. They will continue to follow the latest COVID-19 research and developments, and announce additional revisions as circumstances allow. Click below to view the updated guidelines.


New Disability Income Protection Solution Available

Effective October 15th, Mutual of Omaha released their new disability income insurance product, Mutual Income Solutions. This new product features expanded occupation classes into medical professions, extended benefit periods up to age 70 and increased benefit option up to $20,000, and much more. Omaha DI is approved in all states, except CA and NY.


NEW Long-Term Care Rider and Lincoln VULONE (2019)

Effective October 12th, Lincoln will be introducing the newest addition to its life insurance rider portfolio, the Long-Term Care Rider (LTC Rider). Only available at policy issue, at an additional cost, this rider is designed for clients who have a primary need for death benefit protection but are also concerned about long-term care expenses of covered services for temporary and permanent chronic illness. This rider will initially be made available on Lincoln VUL ONE (2019) and will replace the Lincoln Care Coverage Accelerated Benefits Rider in approved states. Lincoln LTC Rider will be available in all states except for CA, DC, FL, GU, MP, MT, NJ, NY, VI.

Rider Benefits and Highlights:

  • Ability for your LTC benefit to grow should your policy Death Benefit increase due to corridor.
  • Zero-day elimination period allows access to benefits sooner.
  • Addition of Transitional Care Assistance Benefit to the array of Covered Services.



We at GBS Insurance thank you again for your business. For more information or insurance quote requests, please contact your brokerage manager or give us a call at (800) 473-5966

For agent use only - not for use with the general public.

Corporate CA License No. 0D87913


21820 Burbank Blvd., Suite 301

Woodland Hills, CA 91367

Phone: (800) 473-5966

GBS Insurance and Financial Services, Inc. do not provide investment, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

© 2020 Arthur J. Gallagher & Co. 




GBS News: Product and Underwriting Updates - Week of October 20 - November 2

Allianz's announced their first ever Risk-Class Upgrade Underwriting Program, offering automatic risk-class upgrades, up front, for qualifying clients. 


GBS News: Product and Underwriting Updates - Week of October 9 - October 19

Effective October 9, 2023, iPipeline iGO and LifePipe users can easily access ALL underwriting submission paths in the same session with the new SimpliNow Choice platform.


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