Part of our guide: Impaired Risk Life Insurance Underwriting by Condition →
A table rating isn’t always final. Carriers with crediting programs can improve substandard offers when the rest of the client’s profile is strong.
Key takeaways
- Crediting programs can apply to substandard (table-rated) cases, not just Preferred classes.
- A 31-year-old with a prior aortic valve replacement had excellent cholesterol, build, and blood pressure.
- His rating improved from Table D to Table B, a significant premium reduction.
Initial assessment: Table D. With credits for favorable cholesterol, build, and blood pressure: Table B.
The case
- 31-year-old male, non-tobacco, seeking universal life
- Bicuspid aortic valve, replaced 12 years earlier
- Cholesterol 139, ratio 4.0
- 6’6”, 222 lbs (BMI 25.7)
- Blood pressure 117/70
The result
The initial assessment was Table D. Applying the carrier’s crediting program for his favorable risk factors improved the offer to Table B.
Other ways to improve a rating
- Shop carriers with crediting or table-reduction programs; see one-table reductions.
- Request reconsideration after a period of stability or new favorable tests; see reconsideration success.
- Consider carriers that price tables off better base rates; see Standard Plus-based tables.
Frequently asked questions
Can a table rating be reduced?
Yes. Some carriers apply credits or table-reduction programs, and ratings can sometimes be reconsidered after issue.
Can you get life insurance after heart valve replacement?
Yes. Many clients qualify, often with a table rating that depends on the valve type, heart function, and time since surgery.
What is Table D in life insurance?
A substandard rating typically about 100% above standard premium, depending on the carrier’s table scale.
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.
Connect on LinkedIn →We’re Here to Help
Have a question about what you just read, or a case you’re working on? Tell us a bit about what you need, and a member of the SRS team will follow up with you personally — no obligation, no hassle.
