**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: YourLife products: whole life, current assumption UL, accumulation VUL, protection VUL
Face Amount/ Age Limits: $100,000 to $10 million, through age 70
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Features: Table 4 to standard. Applied automatically to every case that qualifies, including ACE. Available until Dec 31, 2019
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)
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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
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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 20-70
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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: YourLife products: whole life, current assumption UL, accumulation VUL, protection VUL
Face Amount/ Age Limits: $100,000 to $10 million, through age 70
Penn Mutual
Features: Table 4 to standard. Applied automatically to every case that qualifies, including ACE. Available until Dec 31, 2019
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 20-70
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