Have you seen Zurich's table reduction program?
Zurich's table reduction program has saved eligible clients anywhere from 12% to 33% in premium. Zurich wanted to share some of the real life success stories on how it used this program to improve an offer.
Male (55), $10M of individual life
Original offer: Table C due to historical cardiac issues
Improved offer: Table B thanks to BMI, BP, negative stress test less than 2 years ago
12% savings in guaranteed premium to age 90
Husband (65) / Wife (63), $5M of survivorship life
Original offer: Wife: SNT; Husband Table C due to build
Improved offer on Husband: SNT thanks to cholesterol, A1C and BP
12% savings in premium with guarantees to age 90, carry to 100
Male (44) $13M of term life
Original offer: Table B (no labs pulled for informal app)
Improved offer: SNT by using labs and Table Reduction Program
33% savings in premium for 20 year duration