Presented by Gary Peterson. The one thing that agents and their clients never appreciate is underwriting delays. Some carriers have made our lives easier by offering non-medical products, hence, allowing for much shorter underwriting turnaround. The majority of these products are on a term platform. However, we have a carrier that will offer no medicals on term, universal life and whole life. The rates are competitive and sometimes match up well even with carriers that require full underwriting. This will help keep you and your clients happy with the overall turnaround times. Call your life marketer at 800-397-9999 for more details.