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Table Shave & Lifestyle Credit Programs

A rated policy can be more difficult to place due to an increase in premium costs and the emotional factor when a prospective client is notified that their health history is not what they perceive it to be. Table Shaving and Lifestyle Credit Programs allow a reduction to standard on fully underwritten life insurance policies which can significantly improve the chances of placing the policy. Each insurance company has its own programs and specific criteria which are listed in the guidelines below.


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     Life Insurance
          Products
               Product Brochures
               Policy Specs
          Underwriting
               Medical Requirements & Guidelines
               Impairment Questionnaires
               Carrier Specific Niche Impairment UW
               Table Shave & Lifestyle Credit Programs
               MetLife Rapid eUnderwriting
               Jumbo Case Submission Tips
          Sales
               Wait & See Estate Planning Technique
               Policy Review
               Concentrated Stock Position
               Quit Smoking Incentive
               External Term Conversion
          Linked Benefit Products (LTC)
               Lincoln Financial MoneyGuard Reserve
               John Hancock LifeCare
               West Coast Life ExtendCare
 
 

Call today to see how the Aaron Advantage can help you achieve your goals.