Max screens your client against verified carrier data in about 40 seconds: issue ages, build charts, medication grids, and condition rules pulled line-by-line from the actual underwriting guides.
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Save two cases a year that would otherwise have been declined and Max has paid for itself with room to spare.
A 68-year-old with Type 2 diabetes wants $15,000 in coverage. Here's the difference.
Max is built on your contracted carriers' actual product guides and underwriting manuals — transcribed, verified, and checked against source. It doesn't guess.
Age, build, conditions, medications, state — screened against verified carrier data in seconds. No spreadsheets, no carrier calls.
180+ guides indexedEvery knockout condition flagged before you open an application, with the exact question to ask your client to confirm.
Clear · Verify · KnockoutTwo options ranked by fit — express issue first — with expected rate class, why it fits this client, and a pivot plan if the first one declines.
With a pivot planA word-for-word conversation guide built for this specific client's age, health, and situation — not a generic pitch. Opens in a new tab to print or study.
Per client, on demandGo deeper on any recommendation or put two products head to head — full breakdown, living benefits, and a specific call on which fits better.
Follow-ups are freeEvery query is monitored. Flag a wrong answer and our team reviews it — legitimate ones get credited back and the underlying data gets fixed, usually same-day.
Not unattended softwareBuilt for agents who are on the phone, prepping the next dial, or sitting at a kitchen table.
Age, build, health, goal — the way you'd describe them to a mentor.
Verified carrier data checked on age, build, state, conditions, and medications.
Rate classes, knockout flags, and what to do if the first carrier says no.
A custom script for this client — then ask follow-ups free, as many as you want.
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Agent's query
68 year old male, 5'10" 195lbs. Type 2 diabetes — A1C 7.8, on metformin and glipizide. Controlled hypertension on lisinopril. Wants $15,000 for final expenses. Texas.
68-year-old male, 5'10" / 195 lbs — build clears the immediate-benefit tier at every contracted FE carrier at this height. A1C of 7.8 on two oral medications plus controlled hypertension is a three-medication simplified-issue profile; under 8.0 keeps him inside the simplified-issue window at most FE carriers. Diagnosed after age 40, no insulin, no complications stated — that combination is what drives the tier at several carriers. Texas confirmed available.
1. Mutual of Omaha — Living Promise (Level) Simplified Issue / No Exam
Rate class: Standard Non-Tobacco (tobacco status unconfirmed)
At 195 lbs he clears the Standard build maximum, giving him the Level Benefit — 100% of $15,000 from day one, no waiting period. Living Promise accepts controlled T2D on oral medication. Terminal Illness and Nursing Home Confinement ABRs included at no extra premium.
2. Transamerica — FE Express Express Issue / No Exam
Rate class: Premier
The FE Express decision chart reads: diabetes diagnosed after age 40, no insulin, no complications → Premier. This client matches that row exactly — their top class, immediate first-day benefit. Issue ages 18–75, so 68 clears with room.
⚠️ A1C recency: confirm the 7.8 reading is within the last 12 months.
⚠️ Tobacco: not disclosed — confirm before quoting.
🔄 Need to pivot? If MOO flags the A1C, Transamerica FE Express is the immediate fallback at Premier. If both decline, Corebridge GIWL is guaranteed issue with a 2-year graded benefit — no health questions.
↕ Scroll to see the full output — this is what one query delivers
Real client avatars across final expense, term, IUL, whole life, and edge cases. Each one loads straight into Max so you can study the knockouts, the carrier logic, and the scripts before you're on a live call.
client scenarios, added to regularly
categories — FE, term, mortgage protection, IUL, WL, edge cases
health condition matrices
carrier documents indexed
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