Advisors Blog

Insurers Eliminate Exam Requirements for More Clients

Here 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

The New York State Department of Financial Services (NY DFS) has released the final version of best-interest Regulation 187. Regulation 187 requires producers and insurers to implement a process that ensures they’re acting in the consumer’s best interest when recommending life insurance policies issued in New York.

Here are top 12 sales ideas to help you kick off 2020 to a great start! 

Annuities are a great tool for accumulating cash – but are not always the ideal way to transfer assets to the next generation because of the taxes due at death. Here is an example of an actual case that GBS just completed which illustrates the power of thoughtful tax and insurance planning.

Cigar and alternate-tobacco users are one of most penalized segments of the life insurance customers, in terms of higher premiums. At GBS Insurance, we have markets that are extremely flexible when it comes to underwriting those risk classifications, and can assist you in obtaining nonsmoker and, many times nonsmoker plus, rate classifications.

Do you have clients that would benefit from a life settlement of their existing, unwanted or unaffordable life insurance policies? If you have older clients with policies that are no longer needed, GBS can help facilitate a life settlement.

Did you know we have the following amazing programs available to our advisors from top rated carriers?

On Monday March 18, 2019, the repriced PruLife UL Protector will be introduced, subject to state approvals.

eDelivery allows your clients to receive and accept life insurance policies electronically. Numerous benefits include added convenience, more flexibility and faster coverage for clients.