Every life insurance company has underwriting requirements which correspond to a specific premium rate class. The actual requirements will vary slightly from company to company. These tables offer general guidelines as to how most companies will classify you based on medical and personal issues.
| Criteria | To qualify for Preferred Plus rates |
To
qualify for Preferred rates |
To
qualify for Standard rates |
| Blood Pressure | No
current or history of high blood pressure. Current and average readings
in past 2 years not greater than 140/85. |
Currently
well controlled with current readings in the past 2 years not greater
than 150/90. |
Currently
well controlled with current readings in past 2 years not greater
than 159/95. |
| Cholesterol | Levels
may not exceed 230. |
Levels
may not exceed 250. |
Levels
may not exceed 300. |
| CHO/HDL Ratio | May
not exceed 5.0 |
May
not exceed 6.5 |
May
not exceed 7.5 |
| Impairments, Cardiovascular Disease or Diabetes | No
rateable health impairments. No personal history of cardiovascular
disease or diabetes. |
No
rateable health impairments. No personal history of cardiovascular
disease or diabetes. |
Some
health impairments allowed. Can have personal history of certain
cardiovascular disease or diabetes. |
| Cancer History | Not
available if any caner history. |
Only
available on certain types of skin cancer. |
Available
based on specific cancer history. |
| Use of Tobacco or Nicotine Products | No
use in last 36 months. |
No
use in last 12 months. |
No
use in last 12 months. |
| Drugs & Alcohol Abuse | No
history. |
No
history in past 10 years. |
No
history in past 7 years. |
| Personal Driving History | Not
available if 2 or more moving violations in last 3 years, or if
any DUI in last 5 years. |
Not
available if 3 or more moving violations in last 3 years except
with flat extra, or if any DUI in last 5 years. |
Available,
however, may have flat extra or exclusion rider. |
| Family History | No
deaths from cancer, heart disease, stroke, or diabetes in either
parent or siblings before age 60. |
No
deaths from heart disease, stroke, or diabetes in either parent
or siblings before age 60. |
No
more than 1 death from heart disease in parents before age 60. |
| Height/Weight | |||
| Aviation | Commercial
airline pilots accepted. Private pilots available with an exclusion
rider. |
Commercial
airline pilots accepted. Private pilots available with an exclusion
rider or flat extra. |
Available,
however, may have flat extra or exclusion rider. |
| Hazardous Activities (Sky Diving, Hang Gliding, Rock Climbing, Racing, Scuba Diving over 75 feet) | Available
only if no flat extra premium would be required. |
Available,
however, may have flat extra or exclusion rider. |
Available,
however, may have flat extra or exclusion rider. |
| Residency
- Citizenship |
Must
be a US resident for past 3 years and either US citizen or have
permanent Visa or Greencard. |
Must
be a US resident for past 3 years and either US citizen or have
permanent Visa or Greencard. |
Must
be a US resident for past 3 years and either US citizen or have
permanent Visa or Greencard. |