There are times when one pesky impairment keeps a case from getting a Preferred or better offer. It may even lead to a loss of the sale.
One of our carriers has an underwriting program that can give that little push needed to get Preferred classes and help to make the sale.
This program allows for a one class upgrade if the reason for a less favorable rating is based on one of these categories: build, cholesterol, blood pressure or family history. If the remaining three categories all fall within the better rate class guidelines, the upgrade is applied. Whether your client is applying for Term or Permanent coverage, this upgrade is available for both products, up to age 70, and even includes smoker classes.
A 60 yr old male’s build places him in a Preferred class. If his blood pressure, cholesterol and family history all fall within Preferred Best guidelines, he will be improved to Preferred Best.
The One Table Reduction Program can help on substandard cases. It provides a one table improvement on substandard classes for clients through age 70. For example, Table B offers can now be improved to Standard. This is available on both Term and Permanent products
Recreational pipe use can be considered for non-tobacco rates under the same guidelines as recreational cigar use. For example, Preferred non-tobacco is possible if use if no more than once per month with negative nicotine on urinalysis.
Scuba diving can be considered for Preferred Best rates based on the following criteria: Resort diving up to 35 feet deep and no more than 6 dives annually or up to 75 feet for certified divers using the buddy system and no more than 10 dives annually.
Interested in learning more about this carrier and how we can help your clients achieve the best possible underwriting outcomes? Contact your Underwriter for more information.
Phone: (949) 863-0700 ext.141
And the carrier is?
Trina, very good. Thank you
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I just sent info to Laura Butler on one of cases. Client was approved Standard NS due to his cholesterol. Maybe you and Laura can work together on the case? Let me know.
Advanced Benefit Systems
Executive Assistant to Jerry A. Kanter and D. Scott Mason
Financial Advisors of Securian Financial Services, Inc, Securities Dealer,
Member FINRA/SIPC & A Registered Investment Advisor
4695 MacArthur CT., #360
Newport Beach, CA 92660
Advanced Benefit Systems, an affiliate of Securian, is independently operated.
Please do not send trade instructions via e-mail. Orders received via e-mail will not be honored, nor executed. Thank you.
To learn more about Advanced Benefit Systems please visit our website at http://www.absadvisory.com
Jerry Kanter, CLU®, (CA License No. 0659602) and Scott Mason, CLU®, ChFC® (CA License No. 0569203) of Advanced Benefit Systems are Registered Representatives* and Investment Advisor Representatives of *Securian Financial Services, Inc., a Securities Dealer, Member FINRA/SIPC, and Registered Investment Advisors. Advanced Benefit Systems is located at 4695 MacArthur Court, Suite #360, Newport Beach, CA 92660, Telephone (949) 325-0224, Fax (949) 325-022 5, E-Mail firstname.lastname@example.org or email@example.com.