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Life Insuramce

Hot Deals for Impaired Risks

For your clients who have health impairments that are likely to result in a rating, here are some hot deals that may save the day.

US Life/American General

Applicants that would be rated up to table 2 will be upgraded to Standard on Value+ IUL and GUL.

Maximum face amount $10,000,000
Maximum age is 70
Minimum face amount is $250,000
Security Mutual Life of NY

Non Smoking applicants will reduce a rating by 2 tables for applicants that would be rated up to table 12 on single life UL products and Whole Life products.

Maximum face amount is $2,000,000
Maximum Issue age is 70
AXA Equitable

Applicants that would be rated table A or B will be upgraded to Standard on permanent products.

Maximum face amount $10,000,000 single, $20,000,000 joint life
Maximum age is 60
Minimum face amount is $100,000

Flat extras, and applicants with adverse driving records, substance abuse history, ratable aviation, avocation, occupation, and travel are not eligible.

Penn Mutual

Non Smoking applicants that would be rated up to table 4 will be upgraded to Standard on all permanent products, EXCEPT for the GUL product.

Maximum face amount $5,000,000 single life or Survivorship life
Maximum age is 70
Suvrivorship can shave both lives
Suvrivorship can shave one life, even if the other life is "uninsurable"

Flat extras, and applicants with adverse driving records, substance abuse history, ratable aviation, avocation, occupation, and travel are not eligible.