Not Probable - Please call to discuss in greater detail
125 – 175
Probable – Recommend pursuing
185 – 235
Very Likely – Start process of evaluation
Please rate each category and add the points for a total score.
Compare the score with the table above for a settlement probability.
What is the age of the insured, or closest combination if a survivorship policy given the options below?
-10 Points Male under age 65/ Female under age 68
0 Points Male age 65 to 69/ Female age 68 to 72
10 Points Male age 70 or less/ Female age 73 or less
20 Points Male age 75 or less/ Female age 78 or less
30 Points Male age 80 or less/ Female age 83 or less
40 Points Male age 84 and older/ Female age 87 and older
What is the current medical condition of the insured or medical condition of healthiest insured if a survivorship policy?
10 Points insured is as healthy as the day the policy was issued
20 Points insured has developed minor health issues the day the policy was issued
30 Points health of insured has changed for the worse since the policy was issued
40 Points client has significant cancer history, cardiac history or has developed a terminal illness
What type of policy do you have?
10 Points Joint Survivorship UL, SVUL, Whole Life or Survivorship Whole Life
20 Points Term Life
30 Points Universal Life
40 Points Survivorship with one insured deceased
What percentage of death benefit is the current cash surrender value of the policy?
-20 Points 50% or higher
-10 Points 35% to 50%
5 Points 30% to 35%
20 Points 20% to 30%
30 Points 15% to 20%
40 Points 0% to 15%
If there are outstanding loans on the policy, what is the loan percentage of gross death benefit?
-10 Points 40% +
10 Points 30% to 40%
20 Points 20% to 30%
30 Points 15% to 20%
40 Points 0% to 15%
What percent of death benefit are the annual premiums of the policy?
10 Points 5% of higher
20 Points 4% to 5%
30 Points 3% - 4%
40 Points 2% - 3%
50 Points 1% - 2%
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