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Didn't have any definable criteria. Most table shave programs in the past have 1. What really stands out about their Fit credits is that things like family history, never having smoked and minimal alcohol use are rewarded. Table rated term insurance offers continue to tumble to a standard rate with United of Omaha's health and lifestyle credit method, what they call their Fit test. Only been available on universal life and 2. They also reward a good build (preferred example 6', 211) and a good driving record (no more than 2 violations in the last three years). This resulted in a lot of table shave programs having a table 3 to standard shave available at the underwriters discretion and, surprise, a lot of table 4. I continue to be pleasantly amazed at how the company is honoring this commitment to reward good health and lifestyle for those who would normally take a bit of a whacking due to some other health issue. Two cases that we presented this week took table 2 offers on prostate cancer and bipolar disorder and shaved them down to standard rates. |