Accelerated Underwriting: SBLI’s Streamlined Solution for Life Insurance
Life moves fast, and when it comes to protecting the people who matter most, you don’t want unnecessary roadblocks slowing you down. Traditionally, securing life insurance meant navigating medical exams, lengthy forms, and weeks of waiting for approval. With accelerated underwriting, however, you can get coverage faster and with less hassle.
At SBLI, we believe that life insurance should be simple, reliable, and accessible. This is why we offer streamlined accelerated underwriting for life insurance applications.
When you choose SBLI’s accelerated underwriting, you can be free of the delays and complexities of traditional underwriting while maintaining the quality coverage you deserve.
Discover how we accelerate underwriting to get you the protection you and your family deserve.
What is Accelerated Underwriting and how does it work?
Accelerated underwriting is an innovative way to evaluate life insurance applicants without requiring them to complete medical exams in many cases.
A modern approach to life insurance approval
Instead of relying on in-person assessments, insurers use advanced data analysis and digital tools to determine eligibility. This process speeds up approval times significantly while still ensuring that policies are issued with careful consideration.
For you, this means getting approved without the inconvenience of medical check-ups and drawn-out background checks.
How it works
Rather than scheduling medical appointments and waiting for lab results, expedited underwriting gathers relevant health and lifestyle information through secure electronic databases.
We review prescription histories, past medical records, and other key factors to assess your overall risk profile and determine how much life insurance you need. If you meet the necessary criteria, you can be approved for a policy in a fraction of the time it would take with traditional underwriting.
For you, this means a smoother, faster path to financial protection. There’s no need for lengthy forms or weeks of waiting.
Instead, the entire process can be completed online or over the phone, so you can receive an approval decision the same day you apply.
Fast track your protection with SBLI’s Accelerated Underwriting process
Underwriting is an important part of securing life insurance, but we understand that it can feel like a lengthy process—especially if you have a health condition. We’re here to make it as smooth and straightforward as possible.
With SBLI’s accelerated underwriting life insurance, however, you can get fast approval and coverage minus the frustrations, forms, and extensive checks.
A simplified path to coverage
At SBLI, we designed our accelerated underwriting life insurance process to remove the friction that often comes with purchasing life insurance.
We know that people seeking coverage want clarity, convenience, and confidence in their decisions. So, we developed a streamlined process that allows eligible applicants to secure life insurance without the typical roadblocks.
When you apply through SBLI’s accelerated underwriting process, you can complete your application quickly, receive a decision faster, and move forward with the peace of mind that comes from knowing your family’s future is protected.
How we make the process easier
Many life insurance companies offer some form of expedited underwriting, but our approach stands out because of its efficiency, accuracy, and customer-first design. We eliminate unnecessary steps while maintaining a thorough evaluation process.
Rather than relying on outdated underwriting methods, we use secure, real-time data analysis to assess eligibility. This allows us to deliver faster decisions without sacrificing the integrity of the coverage we provide. Applicants who meet our criteria can skip medical exams and lab work, which means they won’t have to take time out of their busy lives to complete unnecessary steps.
The result: fast approval and coverage
If you qualify, approval can happen within minutes. You can:
- Apply online or speak with a licensed SBLI agent
- Quickly complete the necessary step
- Have your policy in place without any unnecessary waiting
It’s all about you at SBLI.
Learn more about SBLI and how our customer-focused approach has been helping families since 1907.
Is accelerated underwriting right for you?
Accelerated underwriting isn’t available to everyone. With that said, it’s an excellent option for anyone who meets the eligibility criteria.
Are you eligible? Find out
As insurers, we follow specific guidelines to determine your eligibility for life insurance coverage. To qualify for our accelerated underwriting, you’ll need to meet certain eligibility criteria.
We determine your eligibility based on your age, health history, and lifestyle choices. At SBLI, accelerated underwriting is available to individuals between the ages of 18 and 60.
Those between 18 and 50 can apply for term life insurance coverage amounts up to $1 million, while applicants between 51 and 60 can qualify for policies up to $500,000.¹
If an application exceeds these limits, or if certain risk factors are present, the policy will go through traditional underwriting instead.
Who benefits most from Accelerated Underwriting
So, you’re eligible. But is expedited underwriting life insurance for you?
If you’re in great health and have no significant medical concerns, accelerated underwriting is a fast and efficient way to secure life insurance. With no concerning pre-existing conditions, a complex medical history, or other factors that require further review, you could qualify for immediate approval without the need for additional medical assessments.
This process is especially beneficial for those who need life insurance quickly due to major life changes such as marriage, the birth of a child, or purchasing a home.
For example, if you’re a new parent and are in search of a hassle-free way to protect your loved ones, accelerated underwriting could be the perfect solution for you.
Does expedited underwriting impact my insurance premiums?
For a lot of our clients, accelerated underwriting seems too good to be true. Because it’s so fast and easy, one of the questions we get is whether it can impact insurance premiums.
Let’s settle this concern once and for all: It doesn’t!
Same premiums, comprehensive coverage, fewer hassles and waiting time
Because accelerated underwriting still involves a detailed risk assessment, the premiums offered are typically the same as those issued through traditional underwriting methods. As long as you meet the eligibility criteria, you can expect to receive a fair and competitive rate based on your health and coverage amount.
Why SBLI keeps premiums affordable
What’s in it for us?
At SBLI, we take pride in offering affordable, straightforward coverage without unnecessary markups. Our mutual ownership structure means we don’t answer to shareholders, allowing us to focus on keeping policy costs low for our policyholders.
Our accelerated underwriting life insurance process maintains the same level of fairness and accuracy as traditional underwriting, so if you qualify, you won’t pay extra just because the process is faster.
Get approved in minutes with SBLI’s Accelerated Underwriting
Life is unpredictable, but securing the right life insurance policy doesn’t have to be. With SBLI’s accelerated underwriting, you can apply online or speak with one of our licensed professionals and receive an approval decision in just minutes. There’s no need to schedule a medical exam, visit a doctor’s office, or wait for weeks to receive an answer.
Our process is designed to be as efficient and transparent as possible, so you can focus on what really matters — ensuring your family’s financial security. If you qualify, your policy can be issued almost immediately, allowing you to move forward with confidence.
You’re just a quote or call away from full and fast life insurance. Get a quote or speak to an SBLI agent today.
Take the next step today
At SBLI, we believe that life insurance should be simple, accessible, and tailored to your needs. Whether you’re looking for a quick online quote, ready to apply for Simple coverage, or prefer to discuss whole life options with an agent, we’re here to help.
Protecting your loved ones is one of the most important decisions you can make. With our accelerated underwriting life insurance, you can do it faster than ever — without the complications. Get started today and take control of your future.
Start with a free, fast quote, apply now or learn more by with personalized guidance from one of our licensed SBLI agents.
¹ Applications with coverage amounts up to $1,000,000 for ages 18–50 and up to $500,000 for ages 51–60 may be eligible for Accelerated Underwriting. If an application does not qualify or exceeds these limits, it will go through traditional underwriting.
SBLI Term Life Insurance policy form series B-56.
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