Underwriting Rating Improvements and Niches
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Some of our carriers offer "deals" on Term and Perm Life that could result in a Standard offer for cases that would have been rated!
It may called a "Table Shave" an "Automatic Rate Reduction Program" a "FIT Credit" or any other catchy name or phrase but at the end of the day it may save your client hundred's or even thousands of dollars a year. We focus on what a carrier charges your client not just what they call them. "Challenges" that would normally end up rated table 1 or 2 may have a shot at being issued Standard! Challenges such as BIG build, Diabetics, High Blood Pressure, High Cholesterol, Depression and even some Cardiac and Cancer cases may qualify for Standard! When you have a case, provide us with details and we will do the shopping for you! 
Table Shaves & Rate Improvements make Lemonade out of Lemons!
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Quote "Non Smoker" Rates for Tobacco Chewers, Dippers and Cigar users even when it shows in the lab work.
If your clients uses a nicotine product but has not smoked a cigarette in the last 12 months please don't quote them a smoker rate. And if you wrote someone in the past who is now 12 months from smoking a cigarette but now uses some other delivery system let's take a look for them too!
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