Term Life

What are Health Classes?

Insurance companies use a set of criteria that help them determine your eligibility premiums for life insurance based on your health and lifestyle. The categories noted below are a compilation of guidelines from multiple sources – requirements can vary based on the insurance company with which you apply, and some flexibility is possible. If you have questions or concerns about selecting a health class, please contact us.

Learn about the guidelines to determine your health class:

The following factors should be considered when selecting your health class.

Select height and expand a health class to view estimated weight guidelines:

You're in very good overall health. Your weight, blood pressure, and cholesterol are all normal, and you have an uneventful medical history.

Blood Pressure

Under 135/85

Cholesterol / HDL Ratio

Under 5.0 (varies by company)

Cholesterol

Under 220

Tobacco Use

**None in 5 years

Blood Pressure

Treated or untreated, controlled for at least one year, and readings not to exceed 135/85. (varies by age and company).

Cholesterol

Under 220. Treated cholesterol allowed if controlled for the past two years.

History of Cancer

Available only with certain types of skin cancer.

Family Medical History

No diagnosis of or death from heart disease in either parent before age 60. If a parent was diagnosed with or died from cancer before age 60, Preferred Plus is available with some companies. Contact a Zander Guide for more details.

Tobacco Use

Must not have used any tobacco or nicotine based products in the last 5 years (varies by company).**

**Please note that certain companies offer non-tobacco rates for people who use alternate tobacco products, such as cigars, smokeless tobacco or pipes.

You might take medication for treatment of a minor health issue (like high blood pressure or cholesterol). Otherwise, you’re in pretty good health.

Blood Pressure

Under 140/88

Cholesterol / HDL Ratio

Under 6.0 (varies by company)

Cholesterol

Under 240

Tobacco Use

**None in 3 years

Blood Pressure

Treated or untreated, controlled for at least one year, and readings not to exceed 140/88. (varies by age and company).

Cholesterol

Under 240. Treated cholesterol allowed if controlled for the past two years.

History of Cancer

Available only with certain types of skin cancer.

Family Medical History

No death from heart disease in either parent before age 60. If a parent died from cancer before age 60, Preferred is available with some companies. Contact a Zander Guide for more details.

Tobacco Use

Must not have used any tobacco or nicotine-based products in the last 3 years (varies by company).**

**Please note that certain companies offer non-tobacco rates for people who use alternate tobacco products, such as cigars, smokeless tobacco or pipes.

You're generally healthy, but may have a few minor issues that are managed with treatment or medication.

Blood Pressure

Under 145/90

Cholesterol / HDL Ratio

Under 7.0 (varies by company)

Cholesterol

Under 260

Tobacco Use

**None in 1-3 years

Blood Pressure

Treated or untreated, controlled for at least one year, and readings not to exceed 145/90. (varies by age and company).

History of Cancer

Varies depending on your specific cancer history.

Family Medical History

No more than one death of a parent from heart disease before age 60. If both parents died from cancer before age 60, Standard Plus is available with some companies. Contact a Zander Guide for more details.

Tobacco Use

Must not have used any tobacco or nicotine based products in the last 1-3 years (varies by company).**

**Please note that certain companies offer non-tobacco rates for people who use alternate tobacco products, such as cigars, smokeless tobacco or pipes.

You’re in average health, and may have one or more significant medical conditions that require treatment or medication, but do not impact your daily life.

Blood Pressure

Under 150/92

Cholesterol / HDL Ratio

Under 8.0 (varies by company)

Cholesterol

Under 280

Tobacco Use

**None in 12 months

Blood Pressure

Treated or untreated, controlled for at least one year, and readings not to exceed 150/92. (varies by age and company).

History of Cancer

Varies depending on your specific cancer history.

Family Medical History

Not applicable.

Tobacco Use

Must not have used any tobacco or nicotine-based products in the last 12 months (varies by company).**

**Please note that certain companies offer non-tobacco rates for people who use alternate tobacco products, such as cigars, smokeless tobacco or pipes.

Alternate Rating Categories

For the approximately 5-8% of applicants that do not qualify for the categories noted above, the insurance companies offer additional rating options beyond Standard. These rates are generally applied to those who have a substantial medical history, such as cancer or major heart problems. If you have questions about the class for which you would qualify, we encourage you to contact a Zander Guide for a customized quote.

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