Overview

 

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 "Health Life Style Crediting" programs come in many variations and each carrier will have unique limitations and exceptions. 

 

 

Accordia

 

Table Reduction Program Guide

 

 

American General Life Insurance Company

 

Health Questionnaire

 

Carrier Underwriting Guide

 

Helpful References

 

 

AXA Equitable

 

Good Health Credit Program Guide

 

 

Banner

 

MediGuide Second Opinion

 

 

Lincoln Financial

 

Table Reduction Program Guide

 

 

John Hancock

 

Quit Smoking Incentive Program

 

 

MetLife

 

MetEdge Guide

 

MetLife Health-Look Guide

 

 

Mutual of Omaha

 

Fit Test Guide

 

 

Nationwide

 

Placement Improvement Program (PIP) Guide

 

Wellness Credit Program Guide

 

 

Principal

 

Automatic Standard Approval Program

 

 

Symetra

 

GoodLife Rewards Program Guide

 

 

Transamerica

 

Transcend Program Guide