Advisors Blog

Writing Life Insurance without Exams or Client Meetings

Published on March 31, 2020



GBS is committed to keeping the business of writing life insurance running smoothly during these trying times.  

As advisors have begun shifting to virtual meetings with their clients, tools such as eApp and eDelivery are becoming invaluable. Likewise, many carriers now offer NO EXAM underwriting or “accelerated underwriting” for qualifying clients. These programs are generally limited in face amount and issue age. The option to skip the exam and blood draw is at the underwriter’s discretion, so in practice, only relatively healthy clients will be approved without an exam, once an underwriter has reviewed the initial submission.

Below are highlights of no exam and paperless application programs that will allow you to apply without seeing the client 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.




Up to $499,999

Up to $3 Million

Up to $1 Million

Up to $1 Million

Up to $1 Million

Up to $1 Million

Up to $1 Million




We at GBS Insurance thank you again for your business.

For more information or insurance quote requests,

please contact your brokerage manager.


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. 




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