This chart should should only be used as a general guide, as the health requirements for each company will vary.  Your Health Class will ultimately be determined by the underwriting  insurance company.  The InstantQuoteLifeInsurance Health Analyzer incorporates each company’s actual health and lifestyle guidelines.

Note:  Life insurance companies also factor in height and weight when underwriting a policy.

Underwriting
Criteria

Preferred Plus
Health Class

Preferred
Health Class

Standard Plus
Health Class

Standard
Health Class

Build

See Build Chart

See Build Chart

See Build Chart

See Build Chart

Health/Medical History and Physical/Mental
Impairments

No health impairments allowed. No personal history of cardiovascular disease or diabetes.

No health impairments allowed. No personal history of cardiovascular disease or diabetes.

 

Some health impairments allowed. Can have personal history of certain cardiovascular diseases or diabetes

Some health impairments allowed. Can have personal history of certain cardiovascular diseases or diabetes

Tobacco/Nicotine.  No use of nicotine or nicotine substances

In the last 5 years (occasional cigar may be allowed).

In the last 3 years (occasional cigar may be allowed).

In the last 2 years (occasional cigar may be allowed).

In the last 12 months (occasional cigar may be allowed).

Blood Pressure, treated or untreated, currently controlled and average readings do not exceed:

Age 0-50       135/85

Age 51-64     140/85

Age 0-50    
140/90

Age 51-64  
145/90

Age 0-50      145/90

Age 51-64    150/90

Age 0-50     
150/90

Age 51-64   
155/90

Maximum Cholesterol, treated or untreated

230

250

280

300

Cholesterol/HDL Ratio

Female           4.0

Male               4.5

Female          
5.0

Male             
 5.5

Female           6.0

Male               6.5

Female          
7.0

Male              
7.5

Driving History.  No DUI, reckless driving, license revocation or suspensions

In the last 7 years.

In the last 5 years.

In the last 3 years.

In the last 2 years

Family History

No cancer or coronary artery disease in either parent before age 60.

No Death from cancer or coronary artery disease before age 60

Not more than one death of a parent due to coronary artery disease prior to age 60.

Not more than one death of a parent due to coronary artery disease prior to age 60.

Alcohol/Substance Abuse.  No history of or treatment for alcohol or substance abuse.

Ever

In the last 10 years.

In the last 7 years.

In the last 7 years

Aviation

Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.

Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.

Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.

Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.

Hazardous Activities (i.e. Skydiving, Hang gliding, Rock climbing, Scuba diving, etc.)

Available only if no flat extra premium would be required.

Available; however, may have flat extra.

Available; however, may have flat extra.

Available; however, may have flat extra.

Residency-Citizenship

Must be permanent U.S. resident for past 3 years and either U.S. citizen or have permanent Visa or Green Card.

Must be permanent U.S. resident for past 3 years and either U.S. citizen or have permanent Visa or Green Card.

Must be permanent U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card.

Must be permanent U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card.

 

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