Located in the Resource Library section, the Underwriting Resources tab offers links to carrier underwriting guides and table shave programs to help you provide more accurate quotes and carrier recommendations for clients and prospects.
Click Resource Library in your left-hand main menu. Click Underwriting Resources. Resource Library Scroll down to the Guides and Table Shave Programs section. Resource Library: Underwriting Guides and Table Shave ProgramsGuides. Each carrier has their own underwriting guidelines and niches. In this section, you'll find published guides from many of the carriers available through the Insureio process. For more in-depth underwriting help or case-specific advice, please use the XRAE health screening tool or contact the Insureio underwriting team. Please note: underwriting guides are subject to change without notice. For agent use only. The information in these guides does not consist of an offer for life insurance. The Insureio system currently contains these carrier guides:
  • American General
  • American National
  • Assurity
  • AXA
  • Banner
  • Fidelity
  • Foresters
  • John Hancock
  • Lincoln Financial
  • Mass Mutual
  • Brighthouse Financial (formerly MetLife)
  • Minnesota Life
  • Mutual of Omaha
  • Nationwide
  • North American
  • Principal
  • Protective Life
  • Prudential
  • SBLI
  • Transamerica
Table Shave Programs. Table shave and underwriting credit programs can allow clients with adverse health histories and conditions that would normally be rated sub-standard to obtain standard or better rates. Please note: underwriting guides are subject to change without notice. For agent use only. The information in these guides does not consist of an offer for life insurance. The Insureio system currently contains these table shave program guides:
  • John Hancock - Healthstyles Program
  • Lincoln Financial Underwriting - Table Shave Program
  • MetLife - MetEdge
  • Mutual of Omaha - Fit Credit Program
  • Nationwide - Placement Improvement Program
  • Principal - Automatic Standard Approval Program
  • Transamerica - Transcend
Impaired Risk Underwriting Guides. Click here for more information about Insureio's impaired risk questionnaires and other information, available at the bottom of the page.