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
Accordia Life Credits
American National Insurance Company
Precision Credit Underwriting Program
Brighthouse Financial
Enhanced Rate Plus
Columbus Life Insurance Company
Table Shave Program for Universal Life Plans
Corebridge Financial
Healthy Standard Program Guide
Flex Points Crediting Program
Equitable Financial Life Insurance
AXA STEP Program
John Hancock Life Insurance
HealthyEdge
Total View Credits
Lincoln Financial Group
Table Reduction Program Guide
Mutual of Omaha Insurance Company
Fit Test Guide
Nationwide Life & Annuity Co of America
Wellness Credit Program Guide
Pacific Life Insurance Company
Pacific Healthy Rewards Program Guide
Protective Life Insurance Company
Pro Credit Program
Prudential Insurance Company of America
Contact us for more information
Savings Bank Life Insurance Co of MA
SBLI Health Credits Program
Securian Financial Group
Mortality Credits Guide
Limited Time Four-table Shave Program
Symetra Life Insurance Company
GoodLife Rewards Program Guide
Transamerica Financial
Transcend Program Guide
Zurich American Life Insurance Company
Table Reduction Program
One Class Upgrade Program
