AXA Equitable’s Good Health Credit Program – an underwriting credit system based on lifestyle and health factors

Give credit where credit is due: Now available to upgrade standard risk classes to a preferred class

Under the Good Health Credit Program (GHCP), a proposed insured with a demonstrated healthy lifestyle can get credits to improve their overall rating.

Credits can be given for a variety of reasons including:

- Routine checkups
- History of Non-Tobacco use
- Cancer screenings
- Aerobic exercise

The Good Health Credit Program is available for eligible proposed insureds up to table D on all products.

Under the program, eligible proposed insureds evaluated as true standard risks may now qualify for standard plus rates (preferred on some products).

On SUL products, both lives are considered for possible two table credits for each life.
Face amounts are considered up to our full $20 million retention on single life and $25 million on joint life survivorship.

Please note: This program is unavailable for tobacco users and does not apply to medical fat extras or certain impairments.

Continue reading for more information!