Life Insurance Quotes

                                                               

           
 
    

Life Insurance Health Class

When you apply for life insurance, your application and medical exam results will go to an underwriter who will rate your health. Your health class rating, or rate class, will determine what premium you pay.

Underwriting
Criteria
 

Preferred
Plus

Preferred

Standard /
Standard Plus

Health History

No health issues

No health issues

Some health issues

Blood Pressure

No current or past history of treatment for blood pressure; BB readings typically under 140 / 85

Well controlled with average ratings less than 150 /90

Well controlled; more room for higher blood pressure readings

Cholesterol

Levels less than 240

Levels less than 250

Levels less than 280

Family  Health History

No cardiovascular death or history of cancer before the age of 60 in parents or siblings

No cardiovascular death before the age of 60 in parents or siblings

No cardiovascular death of more than one parent or sibling before the age of 60

Use of Tobacco

No tobacco use in the last 36 mos

No tobacco use in the last 12 mos

No tobacco use in the last 12 mos

Driving History

No more than 3 violations in the last 3 years and no DUI in the last 5 years

No more than 3 violations in the last 3 years and no DUI in the last 5 years

No DUI in the last 2 years; No reckless driving in the last 2 years

Alcohol or Substance Abuse

 No history of abuse

 No abuse or treatment in the last 10 years

 No abuse or treatment in the last 7 years

Hazardous Activities

 Available if no extra premium is required

Available; there may be extra premium

Available; there may be extra premium

Aviation

Commercial pilots ok

Commercial pilots ok. Private pilots may have extra premium.

Commerical pilots ok. Private pilots may have extra premium.



Part 2- Detailed information about the underwriting criteria for life insurance health ratings.