Here are some of the improvements we’re making:
Family history Our Select Preferred underwriting criteria will no longer factor in whether a client’s parent or sibling had an incidence of cancer, heart disease or cardiac condition prior to age 60 — only whether they died prior to age 60. This means more clients with a family history of cancer or heart disease will qualify for Best Class.
Dual manual approach for build We discontinued our internal build chart in favor of using the best result achieved from our two reinsurance manuals (Hannover Re & Swiss Re). Credits can be applied in some cases with other favorable risk factors.
Senior build We are implementing minor adjustments to Select Preferred and Preferred build cutoffs for applicants aged 71 and up.
PLUS — accelerated program throughput We made some adjustments to our Protective Life Underwriting Solution (PLUS) program to help more cases qualify for fluidless underwriting; improving outcomes for more cases at Preferred rates.
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