We are pleased to announce our new table reduction program to assist you in placing low to moderate substandard cases. It is now easier than ever to qualify for this program for both permanent AND term! Basic qualifications for all products are:

  • Ages up to and including 70
  • Non-tobacco
  • Permanent medical table ratings through Class F
  • Up to our full retention of $20,000,000
  • Alcohol/drug related ratings are not eligible
  • BP & Cholesterol/HDL must meet at least our Preferred (2nd best) class
  • BMI 18-25 for females and 20-27 for males

The reduction features are: PERMANENT PRODUCTS

  • Class C to Standard
  • Class D to F receives a two table reduction


  • Class B to Standard
  • Class C to F receives a one table reduction

We encourage you to see first-hand how good our offers can be by sending us quick quotes, especially on your cancer, cardiac and diabetes cases. Helpful Quick Quote Guidelines: 1.  Insured’s age, gender and smoking status 2.  A brief overview of the insured’s medical history 3.  If available, the insured’s:

  • Cholesterol, HDL (or Cholesterol/HDL ratio)
  • Blood pressure
  • Height and weight
  • Family history

Download the criteria used for Zurich’s Revised Table Reduction Program.

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

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