**These are general table shave guidelines for the carriers indicated. Further progam restrictions may apply depending upon case specifics. If you have questions or need additional information contact us here.
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Features: Table B rates or up to $5 flat extra rating to standard
Product Eligibility: Most single life universal life plans
Face Amount/ Age Limits: All face amounts, through age 70
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Features: Table B to standard on certain medical conditions, or up to $2.50 flat extra rating on some non-medical risks
Product Eligibility: Permanent and term
Face Amount/ Age Limits: $250,001 to $5 million, ages 20-60
Features: Table D to standard on certain medical conditions and non-medical risks
Product Eligibility: Signature GUL only
Face Amount/ Age Limits: $250,001 to $2 million, ages 18-70
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Features: Table C or up to $5 flat extra medical rating to standard. May apply to both lives for last survivor as long as both lives are table C or less and both lives are age 70 or less
Product Eligibility: Permanent single life and last survivor plans
Face Amount/ Age Limits: $100,000 to $10 million, through age 70
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Features: Table C or $5 flat extra rating for 2 years to standard
Product Eligibility: Permanent “National Life” plans of coverage only
Face Amount/ Age Limits: $100,000 to $5 million, through age 70
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Features: Table C to standard
Product Eligibility: VUL Accumulator, VUL Protector
Face Amount/ Age Limits: $100,000 to $5 million, through age 70
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Features: Table B or $2.50 flat extra per $1000 to Standard on select medical and non medical risks
Product Eligibility: All products except one-year Term
Face Amount/ Age Limits: $100,000 to $5,000,000. Total face amount pending and inforce for all companies cannot exceed $20M / Ages 20-65
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Features: Table B to standard on certain medical conditions
Product Eligibility: Permanent and term
Face Amount/ Age Limits: $100,000 to $5 million, ages 20-60
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Features: Non tobacco users with certain qualifying medical criteria
Product Eligibility: Permanent and term
Face Amount/ Age Limits: Up to $20 million, through age 70
Features: Permanent coverage: table C to standard, table D to F may be eligible for 2 table reduction
Features: Term Coverage: table B to standard, table C to F may be eligible for 1 table reduction
AIG
Features: Table B rates or up to $5 flat extra rating to standard
Product Eligibility: Most single life universal life plans
Face Amount/ Age Limits: All face amounts, through age 70
American National
Features: Table B to standard on certain medical conditions, or up to $2.50 flat extra rating on some non-medical risks
Product Eligibility: Permanent and term
Face Amount/ Age Limits: $250,001 to $5 million, ages 20-60
Features: Table D to standard on certain medical conditions and non-medical risks
Product Eligibility: Signature GUL only
Face Amount/ Age Limits: $250,001 to $2 million, ages 18-70
Lincoln
Features: Table C or up to $5 flat extra medical rating to standard. May apply to both lives for last survivor as long as both lives are table C or less and both lives are age 70 or less
Product Eligibility: Permanent single life and last survivor plans
Face Amount/ Age Limits: $100,000 to $10 million, through age 70
National Life
Features: Table C or $5 flat extra rating for 2 years to standard
Product Eligibility: Permanent “National Life” plans of coverage only
Face Amount/ Age Limits: $100,000 to $5 million, through age 70
Nationwide
Features: Table C to standard
Product Eligibility: VUL Accumulator, VUL Protector
Face Amount/ Age Limits: $100,000 to $5 million, through age 70
Principal
Features: Table B or $2.50 flat extra per $1000 to Standard on select medical and non medical risks
Product Eligibility: All products except one-year Term
Face Amount/ Age Limits: $100,000 to $5,000,000. Total face amount pending and inforce for all companies cannot exceed $20M / Ages 20-65
Prudential
Features: Table B to standard on certain medical conditions
Product Eligibility: Permanent and term
Face Amount/ Age Limits: $100,000 to $5 million, ages 20-60
Zurich
Features: Non tobacco users with certain qualifying medical criteria
Product Eligibility: Permanent and term
Face Amount/ Age Limits: Up to $20 million, through age 70
Features: Permanent coverage: table C to standard, table D to F may be eligible for 2 table reduction
Features: Term Coverage: table B to standard, table C to F may be eligible for 1 table reduction