Advisors Blog

Introducing No-Exam Underwriting and a New Protection IUL

Published on April 17, 2020


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NO Exam, NO Labs, NO Medical Records up to $2M with Symetra's Accelerated Underwriting Program!

As the COVID-19 situation continues to evolve, we recognize the difficulty in obtaining client exams and APS’s. That’s why Symetra has recently announced their new accelerated underwriting program.

All permanent cases with face amounts up to $2 Million, ages 18-50 and $1 Million, ages 51-60, Standard or better risk class will qualify for Accelerated Underwriting, which is an expedited process where no exam, no labs and no medical records are required.

The application will follow one of two paths:

  • Standard - Super Preferred: Immediate approval that proceeds to issue.
  • Below Standard: Underwriter determines that additional requirements are necessary and will go through full underwriting.

A few of the Symetra Accelerated Underwriting advantages include:

  • A non-invasive process for your client.
  • Easier sales track for the agent.
  • Improved overall cycle time.
  • Improved placement rate.
  • A.M. Best: A rated carrier

During this process we’ll be sending you updates on your case to make sure everything is running smoothly. If there are any issues that require your involvement or you feel there is anything that should be brought to the carriers attention, you may step in at any time. 


Introducing Symetra's New Protector IUL:

Low Cost, Guarantees and Cash Growth

With Symetra Protector IUL, clients can get cost-effective life insurance protection with built-in flexibility for life’s changing needs. Plus, they have potential for cash value growth through nine index strategy options. Life can be uncertain, but life insurance coverage with flexibility and options can help clients rest easier at night.

With Symetra Protector IUL, your client will receive:

  • Low premium outlay.
  • Strong death benefit guarantee duration.
  • Strong accumulation potential.
  • Lower policy costs.

Check out our this new PIUL competitive analysis and see how Symetra Protector IUL stacks up against the competition.


Visit Our Blog for Daily Carrier Updates

Due to the rapid speed of change at our carriers as it relates to both product and underwriting information, it is difficult for GBS to provide you with timely and relevant updates via email. We encourage you to frequently visit our Advisors Blog for daily updates on Carrier's Response to COVID-19.




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.

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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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