Part of our guide: Impaired Risk Life Insurance Underwriting by Condition →
Sometimes a client misses a better rate class by a small margin. Carrier credit programs can close that gap, and the premium difference can be substantial.
Key takeaways
- Credits can move a client who is just outside a rate class into the better class.
- In this case, a build credit moved a 35-year-old from Standard Plus to Preferred.
- Annual premium on $2 million of term dropped from $2,500 to $1,753, a savings of nearly 30%.
Standard Plus at $2,500 a year, or Preferred at $1,753 — a 30% savings from one credit.
The case
- Male, 35, non-smoker, seeking $2 million of term
- 5’8”, 204 lbs
- Blood pressure 130/85; cholesterol 273, ratio 5.5
- Father diagnosed with prostate cancer at 56, still living at 67
Under traditional criteria: Standard Plus, $2,500 a year.
The credit
The carrier’s crediting criteria effectively added one inch to his height for build purposes, treating him as 5’9” and 208 lbs, which met Preferred build guidelines. Final decision: Preferred, $1,753 a year.
The lesson
Clients near a class boundary are exactly where credit programs pay off. We look for applicable credits on every case. See wellness credits and one-class upgrade programs.
Frequently asked questions
What is a build credit in life insurance?
A carrier allowance that treats an applicant’s height and weight more favorably, which can move them into a better build class.
How much can underwriting credits save?
In this case, nearly 30% of annual premium by moving up one rate class.
Do all carriers offer underwriting credits?
No. Credit programs vary by carrier, which is why shopping the case matters.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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