Many carriers enter the impaired risk marketplace using table shaving and crediting programs. Some of these carriers can reduce a table four rating to standard. And a few of these carriers are recognized in the insurance industry as benevolent substandard underwriters. The substandard season starts on Halloween and ends around mid-December. Online syndicated columnist and talk show host Steve Savant interviews impaired risk experts Joe Brita and Charlie Kuhn who walk you through the players in table shaving and crediting programs.
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Steve Savant is the host of the daily producer show, Let’s Get Down to Business, and the weekly consumer show, Steve Savant’s Money, the Name of the Game. Steve is the number one online author and videographer of insurance content. During his 30-year career in the financial services industry,... More