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How to Choose Your Health Ranking
Life insurance premiums are based on your rating. This means that the younger and healthier you are, the better your rate will be. There are 4 basic categories. For now, you can follow this guide to estimate which is the right one for you. *Note, these descriptions are generally based on people who haven't used any form of tobacco for about 5 years.
Preferred Plus
Preferred
Standard Plus
Standard
Exceptional health, lowest rates. This category is a tough one to get into. It's generally for those at a normal weight for their height, who have normal blood pressure / cholesterol reading, and have a clean medical history. Usually you can't have a history of premature death in your family related to heart disease or cander. Your drive record counts too.
Excellent health, 2nd-best rates. This category is similar to the Preferred Plus, but allows a bit more elbow room on things like blood pressure, cholesterol, and weight. Fitness-god status not needed here.
Above-average health. You'll fit in here if you're generally healthy, but don't quite meet the Preferred requirements
Average health. Not the lowest, but usually still good rates. This category is for those working on their weight, being treated for high blood pressure or cholesterol, or those with a history of premature death from heart disease or cancer in their family.