Let us help you place more of your cases at Nationwide®. With our Placement Improvement Program, your clients who would be rated a Table C or better based on traditional company underwriting procedures may be able to receive a Standard rating on variable universal life products. We automatically consider it for all cases that qualify.
Qualifications for the Placement Improvement Program
- Insureds ages 15 to 70
- Policies with specified amounts totaling between $100,000 and $5 million
- Policy increases where the original policy was issued at a Table C level or better
- Includes Nationwide VUL Accumulator and VUL Protector
Restrictions for the Placement Improvement Program
- Any offer obtained from reinsurance on a facultative basis
- Any case in which the client already has in-force coverage with Nationwide that was obtained through facultative reinsurance
- Any risk rated with a flat extra (flat extras cannot be converted to table ratings to qualify)
- Risks involving ratable avocations and aviation
- Foreign risks that are ratable
- Reissued cases, conversions, internal exchanges or any situations in which full underwriting is not required
- Re-evaluation for rating reductions
- Any cases utilizing PIP will not be eligible for preferred underwriting
- Cannot be used in conjunction with wellness credits
- May not be used to improve Long-Term Care Rider risk