In order to provide you with the most accurate life insurance quotes, we ask several questions which are based on underwriting guidelines established by the insurance companies we represent. By closely following these underwriting guidelines, quotes you receive from LifeInsure.com are usually more realistic than quotes that don’t account for this information. We will never give you a low-ball quote just to get you to apply for a policy.
Life insurance companies factor in health and lifestyle information to determine the risk insuring you would present to them. In order to determine premiums based on different degrees of risk, the insurance companies have established health (or risk) classes. There are no industry standards, but the health classes are typically Preferred Plus, Preferred, Standard Plus and Standard for non-tobacco users. Below these classes are sub-standard (or rated) categories. There are also separate classes for tobacco users.
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