MassMutual’s Risk Assessment Credit (RAC) program gives underwriters the authority to adjust the risk rating for clients with favorable mortality factors such as body mass index
(BMI), laboratory test results, avocation, lipids, family history, and blood pressure (BP). Qualifying for credits can improve a substandard, or “rated,” offer by up to two table ratings.The below criteria can be used to calculate credits for a client, age 17 or older, with a substandard medical history.