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Table Shave and Lifestyle Credit Programs

A rated policy can be more difficult to place due to an increase in premium costs and the emotional factor when a prospective client is notified that their health history is not what they perceive it to be. Table Shaving and Lifestyle Credit Programs allow a reduction to standard on fully underwritten life insurance policies which can significantly improve the chances of placing the policy. Each insurance company has its own programs and specific criteria which are listed in the guidelines below.