**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: VUL Accumulator, VUL Protector
Face Amount/ Age Limits: $100,000 to $5 million, through age 70
Features: Table 4 to standard. Applied automatically to every case that qualifies, including ACE. Available until June 30, 2020
Product Eligibility: Whole life-Versatile, Guaranteed & Suvivorship Choice. Accumulation Builder Select IUL. Suvivorship Plus Select IUL & Diversified Growth VUL (both without extended no-lapse guarantee rider)
Face Amount/ Age Limits: Up to $5 million through age 70 (individual). Up to $7.5 million through age 70 (survivorship)
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 20-60
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
Penn Mutual
Features: Table 4 to standard. Applied automatically to every case that qualifies, including ACE. Available until June 30, 2020
Product Eligibility: Whole life-Versatile, Guaranteed & Suvivorship Choice. Accumulation Builder Select IUL. Suvivorship Plus Select IUL & Diversified Growth VUL (both without extended no-lapse guarantee rider)
Face Amount/ Age Limits: Up to $5 million through age 70 (individual). Up to $7.5 million through age 70 (survivorship)
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 20-60
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