Competitive Spreadsheets

We make life easy by helping you navigate all available options for your clients.  Below are different spreadsheets to help you review different underwriting specifications, driving and family history underwriting guidelines, tobacco and marijuana usage guidelines, term conversion specifications, rolling targets, and product features.  If you have any questions please contact one of our marketing representatives.

Underwriting Spreadsheets

Carrier Underwriting Manuals

Tobacco Use

Driving History

Family History

Marijuana Use

Blood Pressure

Accelerated Underwriting

Carrier Information Spreadsheets

Premium Deposit Funds

Rolling Targets

Term Conversion Spreadsheets

Term Conversion Contract Language


Term Conversion

Product Spreadsheets

Chronic Illness Riders

1035 with Loan Carryover

Grace Period Protection

Internal Replacement Rules

Income Replacement Factors