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

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Table Shave

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Tobacco Use

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Driving History

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Family History

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Marijuana Use

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Blood Pressure

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Cholesterol

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Accelerated Underwriting

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Carrier Information Spreadsheets

Chargebacks

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Premium Deposit Funds

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Rolling Targets

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Term Conversion Spreadsheets

Term Conversion Contract Language

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Term
Conversion

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External
Term Conversion

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Product Spreadsheets

Chronic Illness Riders

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LTC Riders

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1035 with Loan Carryover

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Grace Period Protection

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Internal Replacement Rules

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Income Replacement Factors

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