One of our carriers bases pricing of their table rated cases off of ‘Standard Plus’ rates, rather than ‘Standard’ rates like most of the others.
This pricing feature could make a significant difference to your clients’ with multiple health impairments.
Here is a success story:
- 46 -year -old male
- $5 million term policy
- No tobacco use
- 6’1”, 211 lbs.
- 2011 was diagnosed with Type 2 diabetes treated with Metformin
- A1c level 7.8, Blood pressure 135/84, Total Cholesterol 273, HDL 41, LDL 125
- Normal urine protein
- Client’s mother died of a stroke at age 68
This carrier issued a Table 2, and the premium was based off of Standard Plus rates, resulting in a significant cost savings to the client.
Contact the Underwriting Department to find out which carrier we’ve spotlighted here – and to learn of more ways we can help lower the premiums on your clients’ impaired risk cases.