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Published byDwayne Griffin Modified over 9 years ago
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For producer use only. Not for use with the general public. Fit.Underwriting Credit Program
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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
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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.
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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
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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
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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
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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: statuslines@mutualofomaha.com Phone: (800) 775-7896
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