Agent AI
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Carrier: Mutual of Omaha
Program: FIT Credit Program
Program Type: Underwriting Class Upgrade (Health Credits)
Target Market: Clients applying for fully underwritten Mutual of Omaha coverage who may qualify for Standard Plus or better
Applies To: Fully underwritten policies through Mutual of Omaha, including Term, IUL, and UL products (not available on simplified issue)
Eligibility Requirements:
- Applicant must be age 18–75
- Face amount must be ≤ $5,000,000
- Starting offer must be Table 4 or better (no flat extras)
- Available for non-tobacco applicants only
Table Credit Structure:
- 3 qualifying criteria = 1 table credit
- 5 qualifying criteria = 2 table credits
Medical Criteria (any combination of the following):
- No parent or sibling death before age 70
- Cholesterol/HDL ratio under 5.0
- A1C under 5.7
- Serum albumin > 4.2 (ages 61–75)
- Negative cardiac testing in past 2 years (GXT, echo, angio, EBCT)
- Blood pressure ≤ 135/85 (treated or untreated)
- Preferred build (ages 18–60) or Standard+ build (ages 61–75)
- BNP < 100 (ages 61–75)
- Normal CBC (ages 61–75)
Lifestyle Criteria (optional, counts toward total):
- Regular preventive medical care and follow-up
- No tobacco or nicotine use in past 10 years
- Annual income > $100,000 or net worth > $1 million
- Clean driving record
Note: Not available for high-risk conditions (e.g., HIV, early CAD, stroke, ratable cancer). Producer must request Fit Credit review during submission.
