“I’ve got a client who is very healthy with the exception of elevated cholesterol and a less than optimal cholesterol/HDL ratio. Is there any way to get him a Preferred Plus underwriting offer?”

“Yes!”

The underwriters of American General Life Companies (American General) utilize creative programs such as Healthy Credits, Preferred Offsets, and Better Choice Preferred to give your clients the opportunity to qualify for the best underwriting class available.

Continue reading for examples of how these creative underwriting programs work.