We have several carriers that have special programs in place that will allow your mildly rated cases to be approved at Standard or better, depending on the carrier and case details.
These “Table Shave” or “Healthy Life Style Crediting” programs come in many variations and each carrier will have unique limitations and exceptions. Please call Mike Woods, our in-house underwriter, to discuss your case if you think you have someone who may qualify. We’ll be happy to review and direct you to the carrier with the best fit for your specific situation.
To browse carrier-specific details, read over these supplemental materials:
![Accordia Life A Global Atlantic Company](https://pinneyinsurance.com/uploads/images/Accordia-Life.png)
Accordia Life A Global Atlantic Company
Accordia Life Credits
![American National Insurance Company](https://pinneyinsurance.com/uploads/images/AMNT.gif)
American National Insurance Company
Precision Credit Underwriting Program
![Brighthouse Financial](https://pinneyinsurance.com/images/logos/carrier/Brighthouse-Financial.gif)
Brighthouse Financial
Enhanced Rate Plus
![Columbus Life Insurance Company](https://pinneyinsurance.com/images/logos/carrier/Columbus-Life-Insurance-Company.gif)
Columbus Life Insurance Company
Table Shave Program for Universal Life Plans
![Corebridge Financial](https://pinneyinsurance.com/images/logos/carrier/corebridge-financial.gif)
Corebridge Financial
Healthy Standard Program Guide
Flex Points Crediting Program
![Equitable Financial Life Insurance](https://pinneyinsurance.com/images/logos/carrier/equitable.gif)
Equitable Financial Life Insurance
AXA STEP Program
![John Hancock Life](https://pinneyinsurance.com/uploads/images/JOHU1.gif)
John Hancock Life Insurance
HealthyEdge
Total View Credits
![Lincoln Financial Group](https://pinneyinsurance.com/uploads/images/LNNA.gif)
Lincoln Financial Group
Table Reduction Program Guide
![Mutual of Omaha Insurance Company](https://pinneyinsurance.com/uploads/images/Mutual-of-Omaha.gif)
Mutual of Omaha Insurance Company
Fit Test Guide
![Nationwide Life & Annuity Co of America](https://pinneyinsurance.com/images/logos/carrier/NATW.gif)
Nationwide Life & Annuity Co of America
Wellness Credit Program Guide
![Pacific Life Insurance Company](https://pinneyinsurance.com/images/logos/carrier/Pacific-Life.gif)
Pacific Life Insurance Company
Pacific Healthy Rewards Program Guide
![Protective Life Insurance Company](https://pinneyinsurance.com/images/logos/carrier/Protective.gif)
Protective Life Insurance Company
Pro Credit Program
![Prudential Insurance Company of America](https://pinneyinsurance.com/uploads/images/PRUC.gif)
Prudential Insurance Company of America
Contact us for more information
![Savings Bank Life Insurance Co of MA](https://pinneyinsurance.com/uploads/images/SBLI.gif)
Savings Bank Life Insurance Co of MA
SBLI Health Credits Program
![Securian Financial Group](https://pinneyinsurance.com/images/logos/carrier/Securian.gif)
Securian Financial Group
Mortality Credits Guide
Limited Time Four-table Shave Program
![Symetra Life Insurance Company](https://pinneyinsurance.com/uploads/images/symetra.jpg)
Symetra Life Insurance Company
GoodLife Rewards Program Guide
![Transamerica Financial](https://pinneyinsurance.com/uploads/images/TRAF.gif)
Transamerica Financial
Transcend Program Guide
![Zurich American Life Insurance Company](https://pinneyinsurance.com/images/logos/carrier/Zurich.gif)
Zurich American Life Insurance Company
Table Reduction Program
One Class Upgrade Program