Banner: Three Underwriting Niches

News Image 09-28-2016

IMPROVE one rate class with credits:

How often has this happened?
You submit a case and everything looks good except for one finding. That finding hurts the premium calculation by one rate class. Banner can improve an underwriting decision by ONE class ... IF the one adverse finding was for build, blood pressure, family history or cholesterol/HDL ratio.
... AND IF the respective Crediting Criteria is satisfied.

The additional underwriting criteria can only be applied to cases rated Standard or better.

Availability:
No restrictions on ages
No restrictions on face amount
No restrictions on riders
For both UL and Term

APPLICANTS who can qualify for credits:

An applicant meets all criteria for Preferred Plus,
except for a build of 5 foot 9 inches and 195 pounds,
which falls into the Preferred range. By adding
one inch, the build becomes 5 foot 10 inches, 195
pounds, which qualifies for Preferred Plus.

An applicant who is Standard Plus due to family
history of cardiovascular death of a parent before
age 60 and Preferred for everything else, can qualify
for Preferred using the Crediting Criteria.

An applicant who is Preferred for blood pressure
and Preferred Plus for everything else can qualify for
Preferred Plus using the Crediting Criteria.

An applicant who is Preferred for ratio 4.7 and
Preferred Plus for everything else can qualify for
Preferred Plus using the Crediting Criteria.

Please see related resources for additional details!

AgentSuite

Related Resources

Contact

Internal Wholesaler
Phone: 800-792-6795