Life Insurance Health Classifications

Insurance rating classifications 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. Note: For the most accurate quotes, we strongly recommend you use the Health Analyzer in the quote process.

 

Preferred Plus
(Exceptional)

Preferred
(Excellent)

Regular Plus/Regular

(> Average/Average)

Build: See:
Height & Weight Guidelines
Build: See:
Height & Weight Guidelines
Build: See:
Height & Weight Guidelines
   
No Health Impairments* allowed. No personal history
of cardiovascular disease or diabetes.
No Health Impairments* allowed. No personal history
of cardiovascular disease or diabetes.
No Health Impairments* allowed. Can have personal history of certain cardiovascular diseases or diabetes.
No use of tobacco/nicotine substances in the last 5 years. (Occasional Cigar may be allowed).No use of tobacco/nicotine substances in the last 3 years. (Occasional Cigar may be allowed).No use of tobacco/nicotine substances in the last 12 months. (Occasional Cigar may be allowed).
   
Family History: No cancer or coronary artery disease in either parent before age 60.Family History: No Death from cancer or coronary artery disease before age 60Family 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 0-50 135/85
Age 51-64 140/85
Blood Pressure, treated or untreated, currently controlled and average readings do not exceed:
Age 0-50 140/90
Age 51-64 145/90
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: 230Maximum Cholesterol, treated or untreated: 250Maximum Cholesterol, treated or untreated: 300
   
Cholesterol/HDL Ratio:
Female 4.0
Male 4.5
Cholesterol/HDL Ratio:
Female 5.0
Male 5.5
Cholesterol/HDL Ratio:
Female 7.0
Male 7.5
   
Driving History: No DUI, reckless driving, license revocation or suspensions in the last 5 years.Driving History: No DUI, reckless driving, license revocation or suspensions in the last 5 years.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 EVER.No history of or treatment for alcohol or substance abuse in the last 10 years.No history of or treatment for alcohol or substance abuse in the last 7 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

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