Let's start with this: If you have saved a carrier's application or forms on your computer for more than 2 weeks you are at best 50/50 going to be using out of date forms! Save yourself and your client time by downloading the newest forms by using our forms link on this website.
Back in the early 2000's we used to help agents place Standard rated policies on cases that would have otherwise been hit for 25%, 50% or even 100% extra premium! Carriers got greedy and those programs all but disappeared or they put some may "outs" on the programs that no one benefited.
WELL good news, we have 4 carriers focused on reducing table ratings. 1. Term or UL table reductions up to 2 tables based on lifestyle questions! 2. TABLE 2 automatically reduced to Standard on GUL! 3. TABLE 3 automatically reduced to Standard on GUL and lastly and the NEWEST one, 4. TABLE 4 reduced to Standard on GUL! (up to age 70 and 2mill face)
These programs help you overweight, diabetic, anxiety, depression, sleep apnea, high BP or CHOL etc type cases benefit by getting down to a true Standard rate! HELP your prospects save money by working with Bill Jr to find the right product/carrier/underwriting for them. NO website can provide the insights that we can for your cases. Keep it Human!