Underwriting Rating Improvements: 
Can we do better than a table rating or a Smoker Rate? Yes, Maybe!  

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, 2, 3 or even 4 now have a shot at Standard!  Let us see what we can do to keep the cost down and help you place the case. 
Challenges such as BIG build, Diabetics, High Blood Pressure, High Cholesterol, Depression and even some Cardiac and Cancer cases may qualify for Standard!  You have the case, provide us with details and we will do the shopping for you! 
Here are our top 6 carriers for these types of improvements. 
Lincoln Financial #1 on UL!
United of Omaha on TERM!
Prudential
American National Term and UL!
American General on UL
North American
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Underwriting Table Shaves &/or Rate Improvements make Lemonade out of Lemons! (I know but it just fits so well!)

Quote "Non Smoker" Rates for Tobacco Chewers, Dippers, Cigar & e-cigarette Users!

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!  
#1 Prudential
Standard Plus NS for any current  nicotine user who has not smoked a cigarette in the last 12 months! On Term and UL.  
Positive labs are OK!
American General
Up to 52 Cigars a year, clean labs can be Preferred Plus NS on term or UL products.  Must have clean labs to qualify.  And meet other nicotine no use rules.
North American
Up to 26 Cigars a year, clean labs can be Preferred Plus NS on term or UL products.  Must have clean labs to qualify.  And meet other nicotine no use rules.
#2 Lincoln
Standard NS for any current nicotine user (except e-cig or vapor) who has not smoked a cigarette in the last 12 months! On Term & UL.  Positive labs are OK!
American National
NOTE: other than Cigars!!
Celebratory Cigar &/OR Chewing Tobacco/Snuff/Dip can Preferred Plus NS on term or UL products. Must have clean labs to qualify & meet other nicotine no use rules.