MetLife's MetEdge
Get Improved Ratings on some Table B and C Offers
10-12-2007
MetEdge is a facultative reinsurance program designed to get you the best possible rating for applicants on some B and C offers. Available for those ages 18-70 applying for a face amount of up to $2 million, MetEdge can be used for all individual permanent and term life products except survivorship.
MetEdge at a Glance
We’ve improved offers on hundreds of cases!
Almost all of these cases were improved to Standard
Term insurance is eligible for MetEdge!
Great for applicants initially offered Table B or C due to build
Eligible cases automatically considered (no action required by you)
Your underwriter will let you know if MetEdge was used to improve the offer
Here’s How it Works
1.Eligible cases rated Table B or C, with only one or two minor impairments (1) are automatically sent to the participating reinsurer.
2.The reinsurer will evaluate the application to see if the offer can be improved.
3.A decision is usually made within 2 hours of the time the case is sent to the reinsurer.
4.If the reinsurer agrees to the better rating, your client wins.
5.If the reinsurer cannot improve the rating, your client still wins because the original MetLife offer remains on the table.
These impairments are eligible for consideration under the MetEdge program:
Abnormal blood sugar
Abnormal Triglyceride
A/C ratio
Blood pressure
BMI
Build
BUN
Cholesterol/HDL
Creatinine
EKG
Foreign travel/foreign nationals
Motor vehicle violations
PSA
Proteinuria
Scuba diving
