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Estimate Your Health Class

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 Insurance rating classifications (your health class) are based on one’s medical history and the results of the medical exam (if one is taken). Each insurance company is somewhat different. They differ on the names of their classifications and in the requirements to qualify for a rating class. The following can give you some guidelines. Much of the content of these definitions comes directly from major life insurance company rating guides.

 

For build requirements, please check our Height and Weight Guidelines for Life Insurance

Preferred Plus
No Health Impairments* allowed. No personal history of cardiovascular disease or diabetes
No use of tobacco/nicotine substances in the last 5 years. (Occasional Cigar may be allowed).
Family History: No cancer or coronary artery disease in either parent before age 60.
Blood Pressure, treated or untreated, currently controlled and average readings do not exceed:
Age 0-50 135/85
Age 51-64 140/85
Maximum Cholesterol, treated or untreated: 230
Cholesterol/HDL Ratio:
Female 4.0
Male 4.5
Driving History: No DUI, reckless driving, license revocation or suspensions in the last 5 years.
No history of or treatment for alcohol or substance abuse EVER.

Preferred
No Health Impairments* allowed. No personal history of cardiovascular disease or diabetes
No use of tobacco/nicotine substances in the last 3 years. (Occasional Cigar may be allowed).
Family History: No Death from cancer or coronary artery disease before age 60
Blood Pressure, treated or untreated, currently controlled and average readings do not exceed:
Age 0-50 140/90
Age 51-64 145/90
Maximum Cholesterol, treated or untreated: 250
Cholesterol/HDL Ratio:
Female 5.0
Male 5.5
Driving History: No DUI, reckless driving, license revocation or suspensions in the last 5 years.
No history of or treatment for alcohol or substance abuse in the last 10 years.

Regular Plus/Regular
No Health Impairments* allowed. Can have personal history of certain cardiovascular diseases or diabetes,
No use of tobacco/nicotine substances in the last 12 months. (Occasional Cigar may be allowed).
Family History: Not more than one death of a parent due to coronary artery disease prior to age 60.
Blood Pressure, treated or untreated, currently controlled and average readings do not exceed:
Age 0-50 150/90
Age 51-64 155/90
Maximum Cholesterol, treated or untreated: 300
Cholesterol/HDL Ratio:
Female 7.0
Male 7.5
Driving History: No DUI, reckless driving, license revocation or suspensions in the last 2 years.
No history of or treatment for alcohol or substance abuse in the last 10 years.

*Please call for quotes if you have been diagnosed with or received treatment for the following:

  • Alcohol/Drug Abuse or Dependency
  • Anxiety, ADD, ADHD or Depression
  • Asthma
  • Cancer (other than basal cell)
  • Cardiovascular disease
  • COPD
  • Crohn’s Disease
  • Diabetes
  • Emphysema
  • Epilepsy
  • Hepatitis or Liver Disease
  • HIV or AIDS
  • Kidney Disease
  • Leukemia
  • Liver Disease
  • Mitral Valve Prolapse
  • Multiple Sclerosis
  • Sleep Apnea
  • Stroke

For more information about underwriting questions or other unanswered questions, please call us at 866-868-0099 or contact us through our website.

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Lifeinsure.com

450 N. Brand Blvd., Suite 600
Glendale, CA 91203

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Here is the legal information we're required to provide you. LifeInsure.com, a Califronia corporation and subsidiary of Intramark Insurance, is a licensed independent insurance broker. The information provided on this site has been developed by LifeInsure.com for general informational and educational purposes. We try hard to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.