Table Shave Programs: 

Life insurance companies are always looking for ways to sell more cash value life insurance, also known as universal life insurance.

One program, called a table shave program may just be a great deal for you even if you want term life insurance. 

Here's why:

If you have a health problem history such as cancer, diabetes, heart disease, etc., you will need to look at impaired risk life insurance companies that specialize in health problems.

The impaired risk life insurance companies may charge you more for your health history by adding an additional cost called a table rating to your policy.  Each table rating added to your life insurance policy will cost you 25% more for your life insurance.

That's where a table shave program may help you pay less for life insurance.

If you were trying to spend as little for life insurance as possible, most of us would apply for term life insurance. 

Imagine that you apply for term life insurance with a life insurance company, but do to your recent heart problems history, the life insurance company offers you their standard rates plus a Table 3 rating.  The Table 3 rating would add 75% to the standard life insurance rates.

If you consider universal life insurance instead, this same life insurance company will forget about the 75% extra and only charge you their standard life insurance rates! 

When you look at the price comparison between the term life insurance at table 3 vs. universal life insurance at standard life insurance rates, the universal life insurance may end up being less expensive to you!

It doesn't always work out this way, but is definitely worth a look to see which life insurance option is best for you. 

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Table Shave Program Available:

Healthy Credits Program - This company has 16 healthy credit factors available.  If you meet any 4 of the 16 health credits, this company will improve your rate class by one rate class.  Applies to term life insurance and universal life insurance policies.

Good Health Credit Program - This company has a program available for both term life insurance and universal life insurance programs.  Proposed insureds rated up to a Table "D" (100% markup) may qualify for standard life insurance rates.

HealthStyle Program - This company will give you a standard life insurance rate if you are table rated up to a Table "C" (75% markup).  They will do this for their universal life insurance policies.

Sherlock Credits - This company will consider insureds rated up to a Table 4 (100% markup) for their standard life insurance rates.  Certain medical conditions are excluded.  This is available for universal life insurance policies.

Fit Underwriting Credit Program - This company will consider term life insurance or universal life insurance insureds rated up to a Table 4 for their standard life insurance rates.

There are a number of life insurance companies available with slight variations to each company that will consider table rated insureds for their standard rates.  We'll show which life insurance company is best for you based on your specific health. 

Please take a few minutes to submit your request for life insurance information.  There is never any pressure or obligation with the service and life insurance quotes are always FREE.

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