For producer use only. Not for use with the general public. Fit.Underwriting Credit Program.

For producer use only. Not for use with the general public.

Fit.Fit.UnderwritingUnderwriting

Credit ProgramCredit Program

For producer use only. Not for use with the general public.

Program Parameters

Applies to all fully underwritten TERM & UNIVERSAL life products

•Ages 18-75

•Minimum Face Amount $250,000

•Maximum Face Amount $1,000,000

•GUL Survivor maximum face amount $2,000,000

•Non-Tobacco users

•Base rating after normal credits to table 4 or less

•Does not apply to “flat extra” ratings

For producer use only. Not for use with the general public.

Program Parameters

If your client has several of the following characteristics, he/she may qualify for up to an additional two table credits from the base rating.

• Any three characteristics = 1 Table Credit

• Any five characteristics = 2 Table Credits

The best case final offer is Standard.

For producer use only. Not for use with the general public.

Lifestyle Characteristics

•Great Family History – No deaths from any disease prior to age 70

•Lifetime non-smoker

•Preferred or better driving record

•Minimal alcohol use (no more than 1-2 per day) and no history of alcohol abuse

•Income >$100,000 or net worth > $1mil or a college degree

For producer use only. Not for use with the general public.

Medical Characteristics

•Optimal Blood Pressure control – treated or untreated(130/80)

•Preferred or better build – Ages 18-60

•Standard Plus or better build – Ages 61-75

•Regular preventative medical care and compliant follow up

•Cholesterol/HDL ratio <5.0

•Negative cardiac testing•GXT, non-imaged or images(stress echo, perfusion study), echocardiogram EBCT or angiography

•GXT exercise performance >10 METS

For producer use only. Not for use with the general public.

The Fit Test

Complete the Fit test (L8191) to show how your client would qualify for Fit

For producer use only. Not for use with the general public.

For more information

• Fit Credit Program Flyer (LY27001)

• Fit Test (L8191)

• Fit Case Study (LY27041)

Ask Your Underwriter

E-mail: [email protected]

Phone: (800) 775-7896