• Ages 0-85
• Is not bedridden, confined to a hospital, nursing home, long-term care facility, skilled nursing facility nor advised to receive care in one of these facilities, in hospice care or through home health care. 
• Is not confined to a wheelchair, electric scooter due to a chronic illness or disease that requires assistance with activities of daily living
• Does not require oxygen equipment to assist with breathing
• Does not use more than 2 oral medications or more than 50 units of insulin per day for diabetes, and does not have any complications including retinopathy, nephropathy, neuropathy, or peripheral vascular disease (PVD or PAD), or ever had insulin shock or been in a diabetic coma
• Never been diagnosed with AIDS, ARC, HIV, Alzheimer’s, dementia, Huntington’s disease, sickle cell anemia, myelodysplastic syndrome (MDS), Lou Gehrig’s Disease (ALS), Quadriplegia, Paraplegia, Down’s Syndrome, mental incapacity, congestive heart failure, cirrhosis, metastatic cancer, recurrent cancer of the same type, Hepatitis C, chronic lung disease, including chronic obstructive pulmonary disease (COPD), chronic bronchitis, emphysema, and sarcoidosis, or prior to age 25, cerebral palsy, spina bifida, cystic fibrosis, or muscular dystrophy

In the past 2 years:

• No treatment or advisory to receive treatment for coronary artery disease, heart attack, coronary artery bypass surgery, angioplasty, cardiomyopathy, irregular heart rhythm, or valvular heart disease with surgical repair or replacement, stroke or transient ischemic attack (TIA)
• No diagnosis, treatment or advisory to receive treatment for any form of cancer (excluding basal or squamous cell skin cancer)
• Not been convicted of or currently awaiting trial for a felony
• Been treated for or advised to have treatment for alcohol or drug abuse or convicted more than once of reckless driving or driving under the influence of drugs or alcohol
• Has not been hospitalized for any mental or nervous disorder

In the past 4 years:

• Has not received treatment or advised to receive treatment for cancer, leukemia, melanoma, or any other internal cancer (except basal or squamous cell skin cancer), chronic kidney disease, systemic lupus, scleroderma, bipolar depression, schizophrenia, Parkinson’s disease, or multiple sclerosis

(These are general guidelines provided to help give you an idea of what health class you may be eligible for.  Underwriting guidelines will vary among different insurance carriers. Other Stipulations and risk classifiers for certain conditions, medications, lifestyles, and activities may affect your eligibility for an anticipated health class or a policy in general. An insurance carrier’s specific underwriting guidelines will supersede any of the information provided here. It is in your best interest to speak with a licensed insurance advisor to assess your eligibility for life insurance by reviewing the insurance carrier’s underwriting guidelines for any quote/application inquiry)