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

Allianz Life Insurance Company of North America
Lifestyle Credits Program

American National Insurance Company
ANICO's Eagle Advantage Program

AXA Life Insurance
AXA STEP Program

John Hancock Life Insurance
Healthstyles Upgrade
Healthstyles QA

Lincoln Financial Group
Table Reduction Program Guide

MetLife Investors USA Insurance Company
MetEdge Guide
Enhanced Rate Plus Guide

Minnesota Life
Mortality Credits Guide

Mutual of Omaha Insurance Company
Fit Test Guide

Nationwide Life & Annuity Co of America
Wellness Credit Program Guide

Prudential Insurance Company of America
Prudential Rate Reduction Program

Savings Bank Life Insurance Co of MA
SBLI Health Credits Program

Symetra Life Insurance Company
GoodLife Rewards Program Guide

Transamerica Financial
Transcend Program Guide