"If you are not selling term insurance to your client, someone else is."
Which Rate Class?
When using The Agent Term Store, the more you know about your client, the better chance you'll provide the most accurate rate class. Here are a few tips to consider:
Health History
Any history of cancer, heart disease, diabetes? If so, you should start with a Standard rating.
Height and Weight
If you client is 6 ft, but over 230 lbs, they probably won't qualify for a Preferred rating.
Tobacco Use
If your client just quit smoking, they won't qualify for Preferred non-tobacco.
Family History
To qualify for Preferred Plus, your client would need to have no death of a parent or sibling prior to age 60 due to Cancer or Heart Disease.
Blood Pressure and Cholesterol
Treatment allowed with good control to qualify for a Preferred rating.
Most important, if you have any questions, give us a call before quoting your client. It's better to under promise and over deliver when it comes to providing a rate class to your client.
