Guidelines to determine your Health Class.
Criteria Preferred Plus Preferred Standard Plus Standard
Blood Pressure No current or past history of blood pressure treatment. Blood Pressure not greater than 140/85 (varies by company). Well Controlled for the last 2 years and blood pressure not more than 150/90 (varies by company). Well Controlled for the last 2 years and blood pressure not more than 150/90 - age 60 and younger, 155/95 - age 61 and over (varies by company). Well Controlled for the last 2 years and blood pressure not more than 150/90 - age 60 and younger, 155/95 - age 61 and over (varies by company).
Cholesterol Under 220. Under 240. Treated cholesterol allowed if controlled for the last two years. Under 280. Under 280.
Cholesterol / HDL Ratio Less than 5.0 (varies by company). Less than 6.0 (varies by company). Less than 7.0 (varies by company). Less than 8.0 (varies by company).
Height/Weight See below
History of cancer Only few companies provide in case of certain type of skin cancer. Available only with certain types of skin cancer. It depends on your specific cancer history. It depends on your specific cancer history.
Family Medical History No death or diagnosis among parents or siblings from cardiovascular disease, stroke, or cancer before age 60. No death among parents from cardiovascular disease, stroke, or cancer before age 60. No death of more than one parent before age 60. No death of more than one parent before age 60.
Use of any Tobacco Products

***Note Preferred and Standard Tobacco Classes are available for current tobacco users***
Must not have used any tobacco or nicotine based products in the last 3-5 years (varies by company). Must not have used any tobacco or nicotine based products in the last 2-3 years (varies by company). Must not have used any tobacco or nicotine based products in the last 1-3 years (varies by company). No use in the last 12 months.
*** Please note that certain companies offer Non-Tobacco rates for people who use alternate tobacco products...cigars, smokeless tobacco or pipes.***

BUILD CHART - MALE & FEMALE

***This criteria is a compilation of multiple company guidelines, criteria varies from company to company. Height and Weight perimeters and guidelines vary by company; please take this into consideration when determining your health class. The life insurance quotes are estimates based on the health class you have selected. Final rates are always subject to underwriting approval by the insurance company. There are many factors involved in the final approval price, such as (but not limited to) health history, lab results, family history and driving record.