**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.

  • 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

  • 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

  • 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

  • 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

  • Features: Table C to standard

    Product Eligibility: YourLife products: whole life, current assumption UL, accumulation VUL, protection VUL

    Face Amount/ Age Limits: $100,000 to $10 million, through age 70

  • Features: Table C or $7.50 flat extra medical rating to standard

    Product Eligibility: Permanent single life and last survivor plans

    Face Amount/ Age Limits: Up to $5 million, through age 70

  • Features: Table B to standard on certain medical conditions

    Product Eligibility: Permanent and term

    Face Amount/ Age Limits: $100,000 to $5 million, ages 20-70

  • 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: YourLife products: whole life, current assumption UL, accumulation VUL, protection VUL

Face Amount/ Age Limits: $100,000 to $10 million, through age 70

Principal

Features: Table C or $7.50 flat extra medical rating to standard

Product Eligibility: Permanent single life and last survivor plans

Face Amount/ Age Limits: Up to $5 million, through age 70

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 20-70

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