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September 5, 2018

Prudential Rate Reduction Underwriting Program

Brian Home, Welcome iul, life, prudential, term, ul, underwriting, vul

The Prudential Rate Reduction program allows certain Table A and B rated applications to be moved to Standard. This underwriting advantage is available to all fully underwritten proposed insureds ages 20-70 applying for $100,000 to $5,000,000 of death benefit coverage. Covering term, universal life and variable life, this program is not a table shave program and only applies to certain ratable impairments where underwriting experience allows for an improved offer. As such, not all cases eligible for the program will see a rating reduction (even if the impairment appears on the eligible list). The program does cover some non-medical risks such as private aviation and recreational scuba diving.  | more


 

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