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Determining your Health Class
for Non-tobacco and Non-nicotine Users

.

These tables offer general guidelines as to how most companies will classify you (preferred plus, preferred, standard plus, standard) based on medical and personal issues. The number of classes and class criteria varies by life insurance company. If you do not meet one or more of the requirements listed in the preferred plus, preferred, or standard plus columns, please select "standard" when calculating your quotes. If you have a health impairment, higher table rates than standard may apply. Underwriting requirements vary by company. If you have questions, please contact us at 1-800-862-8376 and we can provide you with additional information.

Category Preferred Plus Preferred Standard Plus Standard
Physical /
Mental
Impairments
and Medical
History
No health impairments allowed. No personal history of cardiovascular disease or diabetes. No health impairments allowed. No personal history of cardiovascular disease or diabetes. Some minor health impairments allowed. Some health impairments allowed. Can have personal history of certain medical conditions.
Blood Pressure No current or past history of blood pressure treatment. Current and average readings in the past two years not greater than 140/85. Currently well controlled with current and average readings in the past two years not greater than: 150/90 Currently well controlled with current and average readings in the past two years not greater than: 150/90 - age 60 and younger, 155/95 - age 61 and over. Currently well controlled with current and average readings in the past two years not greater than: 155/95 - age 60 and younger, 160/95 - age 61 and over.
Family
Medical
History
No cardiovascular disease or cancer in either parent or siblings before age 61. No cardiovascular death of either parent before age 61. No more than one cardiovascular death in parents before age 61. No more than one cardiovascular death in parents before age 61.
Personal
Driving
History
Not available if 2 or more moving violations in last 3 years, or if any DUI in last 60 months. Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 60 months. Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months. Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months.
Use of
Tobacco or
Nicotine
Products
No use in the past 36 months. No use in the last 12-36 months (varies by company). No use in the last 12-24 months (varies by company). No use in the last 12 months.
History of
Cancer
Depending on company, only available on certain types of skin cancer. Only available on certain types of skin cancer. Coverage may be available based on specific cancer history. Coverage may be available based on specific cancer history.
Cholesterol
Readings
Levels may not exceed 220. Levels may not exceed 250. Levels may not exceed 285. Levels may not exceed 300.
Cholesterol / HDL
Ratio
May not exceed 4.0-5.0 (varies by company). May not exceed 6.0-6.5 (varies by company). May not exceed 7.0 (varies by company). May not exceed 7.5-8.0 (varies by company).
Substance
or Alcohol
Abuse
No history of substance or alcohol abuse. No history of, or treatment for, abuse in past 10 years. No history of, or treatment for, abuse in past 7 years. No history of, or treatment for, abuse in past 7 years.
Aviation Commercial airline pilots accepted. Private pilots - may qualify with aviation exclusion. Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience.
Hazardous
Activities
(i.e. Sky
diving, Hang
gliding, Rock
climbing, Scuba
diving etc)
Available only if no flat extra premium would be required. Available; however, may have flat extra. Available; however, may have flat extra. Available; however, may have flat extra.
Residency-
Citizenship
Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Greencard. Must be a US resident for past 3 years and either US citizen or have permanent Visa or Green card. Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card. Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card.

 


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