Effective immediately, we are pleased to announce improvements that make it easier for your clients to qualify for Zurich’s Table Reduction Program.
Zurich’s Table Reduction Program: Works on All Products – Including Term
- Your client can improve his or her table rating by meeting 3 out of the 5 following criteria:
BMI 18-25.4 for females and 20-27.4 for males - Blood pressure meets at least our Preferred Class requirements
- Cholesterol/HDL meets at least our Preferred class requirements
- Any type of normal stress test (treadmill, stress echo, imaging) within the past 2 years
- A1c of 5.5 or less within the past 6 months
Basic qualifications:
- Up to our full retention of $20,000,000
- Ages up to and including 70
- Permanent medical table ratings through Class F
- Non-tobacco
- Alcohol/drug related ratings are not eligible
| UL Table Reduction | Term Table Reduction |
| B → SNT (no rating) | B → SNT (no rating) |
| C → SNT (no rating) | C → B |
| D → B | D → C |
| E → C | E → D |
| F → D | F → E |
Real Case Win From Our Zurich Underwriting Team
Case Details
31 Year Old Male (Non tobacco)
Has a history of bicuspid aortic valve with a valve replacement 12 years ago
Cholesterol 139, HDL ratio 4.0
BP 117/70
Build 6”6’ and 222 lbs. (BMI of 25.7)
Zurich’s Offer – Improved by two tables
Table D → Table B thanks to the Table Reduction Program