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 General Life Insurance Company
Healthy Standard Program Guide
Flex Points Crediting Program

American National Insurance Company
Precision Credit Underwriting Program

AXA Life Insurance
AXA STEP Program

Brighthouse Financial
Enhanced Rate Plus

John Hancock Life Insurance
HealthyEdge

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

The Principal Financial Group
Automatic Standard Approval 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

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