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Life Credits is an innovative rate reduction program. The program is available on most of our life insurance products,including our Indexed Survivor Universal Life. The Life Credits program is not available on term policies:
A. Life Credits is a robust rate personalization program. Specific credits are assigned to criteria consisting of 17 favorable health factors. Accrued credits can reduce the mortality assessment up to three (3) tables provided your client meets the eligibility requirements of the program.
A. Life Credits is available through age 80, for all face amounts and ratings through table 8. In contrast to existing table reduction programs, Life Credits is available for improvement in rate classes across the board from Preferred to moderately substandard.
A. Criteria are assessed for every individual qualifing within the program parameters, at every age stage of the process including Quick Quotes, Trials and Formal Application.
A. Yes, there are a limited number of impairment where the program restricts the number of credits available or may be excluded from the program all together.