Determine Your Health Class
Your health classification has many factors that must be evaluated before determining the most probable classification for a quote. Your past medical history, current health, height ,weight, behavioral and life style choices and family history all factor into final health classification. As you apply for life insurance, you will be asked to determine your health class. The health classifications for the majority of life insurance companies are:
• Best class/Preferred Plus
• Preferred
• Standard Plus
• Standard
Your final underwriting classification will be determined by your past medical history listed on the Medical Information Bureau. If information is incomplete or additional information needed the underwriter may request an attending physicians report from the doctor before making a final decision. Your medical examine will hold the greatest amount of weight if you are borderline between one classification and another. Get a Term Life Insurance Quote Online,
Our comprehensive Health Analyzer software takes in all the known factors that determine a health classification. Factors such as present monitoring of high blood pressure and cholesterol, height, weight, past family history of cancer, cardiology, diabetes and driving record.
Most insurance companies use general insurance rate guidelines to determine your initial health class. Or have you guess as to what you think you can qualify for. Note: many agents will quote individuals preferred Plus best rating when they know only 10%-15% of all applicants will qualify for this rate. It makes their program look more price competitive than a more advance system that asks many more questions that will more accurately determine most probable health classification. Get a Term Life Insurance Quote Online, and follow with answering the Health Analyzer questions. Get Your Health Class Estimate
Do You Qualify for Preferred Plus?
Blood Pressure Currently well controlled with or without treatment, with no
readings in the past two years greater than 136/86
Family History No cardiovascular disease or cancer in either parent or siblings
before age 60
Driving History No more than 2 moving violations in last 3 years.
No DWI, DUI,
reckless driving, license revocation or suspension in last 5 years
Tobacco Use No use of tobacco or nicotine-based products in last 36 months
Cancer History Only available on certain types of skin cancer
Cholesterol May not exceed 220 with or without treatment
Chol/HDL Ratio May not exceed 5.0 with or without treatment
Substance/Alcohol Abuse No abuse
Aviation Available only with exclusion rider
Avocation Available only in no flat extra premium would be required
Residency/Citizenship Must be a U.S. resident for past 3 years and either U.S. citizen
or have a permanent Visa or Green Card
Build See Chart below
Preferred Plus Build Chart
Height Male Female Height Male Female
5’0” 144 135 6’0” 207 180
5’1” 148 138 6’1” 213 184
5’2” 153 140 6’2” 219 188
5’3” 158 143 6’3” 225 193
5’4” 163 145 6’4” 230 197
5’5” 168 148 6’5” 237 201
5’6” 174 150 6’6” 243 205
5’7” 179 155 6’7” 249 209
5’8” 185 160 6’8” 256 214
5’9” 190 165 6’9” 262 218
5’10” 196 170 6’10” 268 222
5’11” 201 175 6’11” 276 226
