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
→ 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

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