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: