Life Insurance Health Class
When you apply for life insurance, your application and medical exam results will go to an underwriter who will
rate your health. Your health class rating, or rate class, will determine what premium you pay.
Underwriting
Criteria |
Preferred
Plus
|
Preferred |
Standard /
Standard Plus
|
| Health History |
No health issues
|
No health issues
|
Some health issues
|
| Blood Pressure |
No current or past history of treatment for blood
pressure; BB readings typically under 140 / 85
|
Well controlled with average ratings less than 150
/90
|
Well controlled; more room for higher blood
pressure readings
|
| Cholesterol |
Levels less than 240
|
Levels less than 250
|
Levels less than 280
|
| Family Health History |
No cardiovascular death or history of cancer before the age of 60 in parents or
siblings
|
No cardiovascular death before the age of 60 in
parents or siblings
|
No cardiovascular death of more than one parent or
sibling before the age of 60
|
| Use of Tobacco |
No tobacco use in the last 36 mos
|
No tobacco use in the last 12 mos
|
No tobacco use in the last 12 mos
|
| Driving History |
No more than 3 violations in the last 3 years and
no DUI in the last 5 years
|
No more than 3 violations in the last 3 years and no DUI
in the last 5 years |
No DUI in the last 2 years; No reckless driving in
the last 2 years
|
| Alcohol or Substance Abuse |
No history of abuse
|
No abuse or treatment in the last 10
years
|
No abuse or treatment in the last 7
years
|
| Hazardous Activities |
Available if no extra premium is
required
|
Available; there may be extra premium
|
Available; there may be extra premium
|
| Aviation |
Commercial pilots ok
|
Commercial pilots ok. Private pilots may have extra
premium.
|
Commerical pilots ok.
Private pilots may have extra premium.
|
Part 2- Detailed information about the underwriting criteria for life
insurance health ratings.
| 
