The Life Insurance Triple Play
John Hancock Raising Minimum Term Insurance Face Amount to 750k, Effective 01-28-2021
Making The Case For Private LTC Insurance
Clients Find New Value with Employee Assistance Programs (EAP)
Charity Begins At Home, Not At The Carrier
Carriers use crediting criteria to improve your clients’ ratings. The following case study shows how the identification and application of underwriting credits can significantly reduce premiums.
Underwriting Rating: Using traditional criteria, this proposed insured would qualify for Standard Plus with a $2500 annual premium.
Crediting Criteria: Crediting Criteria added 1 inch to the proposed insured’s height, making him 5’9”, 208 lbs. He was then considered Preferred for build.
Final Decision: Case was moved to one class higher and issued Preferred – Annual premium = $1753 and saving nearly 30%.
On each case we see, we work hard to identify any underwriting credits your client may qualify for. Contact our Underwriting Department today.
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