Zurich Table Reduction Program
Hello,

Did you know that the Zurich Table Reduction Program is available up to our full retention of $20 million? This program can improve a client's table rating by up to two tables if he or she can meet the below:

Criteria (Meet 3 out of the 5 below):
  1. BMI Females:18-25.4; Males: 20-27.4
  2. Blood pressure meets at least Preferred class requirements
  3. Cholesterol/HDL meets at least Preferred class requirements
  4. Any type of normal stress test (treadmill, stress echo, imaging) within past 2 years
  5. A1c of 5.5 or less within the past 6 months

Basic Qualifications:
  • Ages up to and including 70
  • Permanent medical table ratings through Class F
  • Non-tobacco
  • Alcohol/drug related ratings are not eligible

Save up to two tables:
If your client qualifies, we can reduce the table rating by one table rating for Term and two table ratings for Universal Life.

Case Study:
Assume a Male, 31 years old, Non-tobacco has a history of bicuspid aortic valve with a valve replacement 12 years ago. His cholesterol is 139 with an HDL ratio of 4.0, and his blood pressure is 117/70. His build is 6"6' and 222 lbs, with a BMI of 25.7.

Thanks to the Table Reduction Program, Zurich's offer would improve his rating from a Table D to a Table B.

We'd love to take a look at a case to see how your client might benefit from this program. Please feel free to send us a Quick Quote.

Thanks,
Eileen Ehlers
Chief Underwriting Officer
Quick Links
Have a table rated case where your client meets the 3 out of 5 criteria?
Send us an e-mail with the details (no personal information) and we'll see if our new guidelines can help.
For Agent and Broker Information Only. Not for Use with Clients or the Public.

Should you have any questions, please contact your Regional Vice President or Field Marketing Consultant.

For Agent and Broker Information Only. Not for Use with Clients or the Public.

Zurich American Life Insurance Company
Administrative Office:
7045 College Boulevard
Overland Park, Kansas 66211-1523
877-678-7534

In the State of New York, insurance products are issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company located at its registered home address of Four World Trade Center, 150 Greenwich St, New York, NY 10007. In all states other than New York, insurance products are issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1299 Zurich Way, Schaumburg, IL 60196.

Certain coverages may not be available in all states and policy provisions may vary by state.

Zurich Insurance Company does not offer products for sale in the United States.
 
2021-07-A
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