Certain life insurance carriers allow standard rates for those with below average health. It’s called a table shave program. Carriers also will upgrade rate classification with health and lifestyle credits. For those who have experience health problems, these rate classification upgrades can save a good deal of money on premiums, especially if a rated case gets to standard.
Top carriers
Table 3 to Standard (permanent plans only)
Aviva
Lincoln
Principal
Notable for Carrier Credits
AXA Good Health Credit Program
Banner InTOUCH Underwriting
MetLife
Mutual of Omaha Fit Program (United of Omaha)
Nationwide
Symetra
Transamerica
Credits may include:
Preferred or better build; regular preventative care; optimal blood pressure control treated or untreated; lifetime non smoker; history of non-tobacco use, no tobacco in the last 10 years; no family history or death from disease prior to age 70, both parents surviving to age 75, family history of longevity; cholesterol/HDL ratio less than or equal to 5.0, or less than or equal to 4.5; regular exercise; cancer screenings such as colon cancer, and other routine preventative age and gender screenings such as pap smear, mammography, prostate exams; negative cardiac testing; recent negative treadmill; lifestyle changes and improved health habits.
Please contact me for a free and confidential quote.
Licensed Agent: Sean Drummey
phone: (910) 328-0447
email: spdrummey@gmail.com