Read this for 15 mins per day to familiarize yourself with the information

This lists medical monditions by category, and explains what would be considered a TRIAL

A trial is when the client does NOT pay a premium until the application has been approved

Always follow the rule of THREE... if there are three or more questionairres, trial the application

Rule of thumb - you want to avoid writing trials when possible, they will ALWAYS be rated

This is the chart the Underwriters use to determine who is overweight

Anything T4 or higher will be TRIALED

You are allowed to add ONE inch to their height, and decrease weight by a maximum of TEN pounds

Height and Weight is the most common DECLINE - walk away if over T4

Similar to the Auto Trial Sheet, this explains what medical conditions would result in an automatic DECLINE

Anything that you see an X means it would be declined, negatively impacting retention

Do NOT write any applications on individuals that would result in a decline - it hurts them and you in the future

This lists ALL banks that do NOT work with our ACH/Autodraft Billing system

Do NOT write any applications using these banks, they will not last 4 months

These banks WILL negatively impact your retention, potentially losing bonuses

These types of banks are typically used by people who cannot get standard bank accounts due to various reasons (negative balances, fraud, etc)

This can be used for more technical conditions, that are not listed on the Auto Trial Sheet

This will explain specifics of what CAN and CANNOT be approved

For quick reference, use the CNTRL+F (windows) / CMD + F (mac) shortcut to search the condition

This is more advanced, and should only be used when you understand what you are doing

This can be used to calculate Cash Value amounts, and Reduced Paid-Up amounts with WL

This can also be used to exemplify costs of younger people vs older people

Please get with your manager whenever you need to use this, to make sure you are calculating numbers correctly

Rule of thumb - $25,000 or less of Whole Life

Use LPU65 for better product & more ALP

Max covg allowed = 50% of lower of two parents

Stay away from any health conditions on children under 9

Maximum of $200,000 ADB (rider) per adult

Pays out for death in Accident

Use this to fund Mortgage/Debt Protection

If trialing app, do NOT add ADB