If your clients show indicators of a healthy lifestyle, they may earn credits that offset the risk of some medical impairments!

✓ alcohol use (1-7 servings per week)
✓ education (college degree)
✓ routine medical doctor visits (healthy results; two visits in the past four years)
✓ life-time nonsmoker (or quit tobacco use more than 30 years ago)
✓ favorable cardiac tests (echocardiogram, treadmill, etc.)
✓ regular exercise (tracked over the past two years (ex: 30 minutes four times
per week)
The new parameters apply to cash value life insurance applications with a face
amount of $5 million for applicants age 18-75, and $3 million for applicants 76-80.