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General Information
Let’s get started with some basic details about you. This information will help us find you accurate quotes.
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- Age 18-70
- BMI that is no greater than 28.5
- Non-Tobacco/Non-Nicotine User is the only rating available for this health class and requires no usage for at least 5 years (If you meet all other preferred best health criteria but instead have no usage in the last 3 years, the best class & rating available will be Preferred Non-Tobacco; If usage in the last 12 months, Tobacco User must be selected on the previous tab & the best health class available will again be Preferred)
- Blood pressure 135/80 or better (Ages 18-60) 140/85 or better (Ages 61-70)
- Normal cholesterol levels
- No immediate family history of death from or the occurrence of cardiovascular disease (CAD), Cardiac Allograft Vasculopathy (CAV), or Familial Cancers (breast, colon, lung, ovarian, prostate, or melanoma) prior to age 65
- No personal history of a heart attack, stroke, or cancer
- No DUI/DWI or reckless driving in the last 5 years & no greater than 2 moving violations in the last 5 years
- No alcohol or drug abuse/treatment in the last 10 years
- No health conditions or related medications in last 2 years
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Age 18-70
- BMI that is no greater than 31
- Non-Tobacco/Non-Nicotine User rating for this health class requires no usage for at least 3 years (If you meet all other preferred health criteria, but instead have no usage during last 2 years, the best class & rating available will be Standard Plus Non-Tobacco. If no usage during the last 12 months, the best health class & rating available will be Standard Non-Tobacco. If usage in the last 12 months, Tobacco User rating must be selected on the previous tab)
- Blood pressure 140/90 or better (Ages 18-60) 150/90 or better (Ages 61-70)
- Normal cholesterol levels
- No Immediate family death from cardiovascular disease (CAD), Cardiac Allograft Vasculopathy (CAV), or Familial Cancers (breast, colon, lung, ovarian, prostate, or melanoma) prior to age 60
- No personal history of a heart attack, stroke, or cancer
- No DUI/DWI or reckless driving in the last 5 years & no greater than 2 moving violations in the last 3 years
- No alcohol or drug abuse/treatment in the last 10 Years
- Only medication for minor, mild, & situational conditions that are under control
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Age 18-70
- BMI that is no greater than 33
- Non-Tobacco/Non-Nicotine User is the only rating available for this health class and requires no usage for at least 2 years (If you meet all other health criteria for Standard plus, but instead have no usage in the last 12 months, then the best class & rating available will be Standard Non-Tobacco. If usage in the last 12 months, Tobacco User must be selected on the previous tab)
- Blood Pressure 150/90 or better (Ages 18-60) 155/95 or better Ages 61-70)
- Normal Cholesterol levels
- No death from cardiovascular disease (CAD), Cardiac Allograft Vasculopathy (CAV) in parents or siblings prior to age 60
- No personal history of a heart attack, stroke, or cancer
- No DUI/DWI in the last 5 years
- No alcohol or drug abuse/treatment in the last 10 years
- Only medication for minor, mild, & situational conditions that are under control
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Age 18-80
- BMI that is no greater than 33.4
- Non-Tobacco/Non-Nicotine User rating for this health class requires No Usage for at least 12 months (If usage during last 12 months, Tobacco User rating must be selected on the previous tab)
- Blood pressure must be controlled with 2 medications or less
- Normal cholesterol levels with or without medication
- No personal history of heart attack or stroke
- No cancer in the last two years after treatment, including medications – no metastases – no recurrence (requirement for standard health class but could still be rated or declined)
- No DUI/DWI in the last 5 years
- No alcohol or drug abuse/treatment in the last 10 years
- Only medication and treatment for minor and mild conditions that are under control
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Age 18-80
- BMI no greater than 38.9
- Non-Tobacco/Non-Nicotine User rating for this health class requires No Usage for at least 12 months (If usage during last 12 months, Tobacco User rating must be selected on the previous tab)
- Blood pressure must be controlled with 3 medications or less
- Normal cholesterol levels with or without medication
- No history of heart attack or stroke
- No cancer in the last two years after treatment, including medications – no metastases – no recurrence (requirement for table rated health classes but could have increased rating or be declined)
- Only medication & treatment for mild-moderate conditions that are under control
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Age 18-80
- BMI that is no greater than 42.4
- Non-Tobacco/Non-Nicotine User rating for this health class requires No Usage for at least 12 months (If usage during last 12 months, Tobacco User rating must be selected on the previous tab)
- Blood pressure must be controlled with 3 medications or less
- Normal cholesterol levels with or without medication
- Possible Eligibility with personal history of heart attack depending on severity
- Possible Eligibility with history of stroke if greater than 1 year since stroke and depending on severity
- No cancer in the last two years after treatment, including medications – no metastases – no recurrence (requirement for table rated health classes but could have increased rating or be declined)
- Only medication & treatment for moderate conditions that are under control
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Age 18-80
- BMI that is no greater than 45.3
- Non-Tobacco/Non-Nicotine User rating for this health class requires No Usage for at least 12 months (If usage during last 12 months, Tobacco User rating must be selected on the previous tab)
- Blood pressure must be controlled
- Normal cholesterol levels with or without medication
- Possible eligibility with personal history of heart attack depending on severity
- Possible Eligibility with history of stroke if greater than 1 year since stroke and depending on severity
- No cancer in the last two years after treatment, including medications – no metastases – no recurrence (requirement for table rated health classes but could have increased rating or be declined)
- Multiple medications & treatments for one or more moderate conditions that may have an impact on your quality of life, but are not severe, do not prevent you from being able to perform activities of daily living, nor are they life threatening/terminal conditions.
- DO NOT have any of the following: AIDS or ARC, Alzheimer’s Disease, ALS, Amyotrophic Lateral Sclerosis, Ascites, Cardiomyopathy, Cirrhosis, Congestive Heart Failure, Cor pulmonale, Cystic Fibrosis, Dementia, Dialysis, Down’s Syndrome, Esophageal Varices, Hematemesis (unresolved or unexplained, Hemoptysis (unresolved or unexplained), Huntington’s Chorea, Kaposi’s Sarcoma, Mallory-Weiss Syndrome (currently under treatment), Melena (unresolved or unexplained), Motor Neuron’s Disease, Myelofibrosis, Myeloma, Myositis (chronic or progressive), Organic Brain Syndrome, Pancreatitis (Chronic or recurrent), Pulmonary Hypertension, Quadriplegia, Renal Dialysis, Renal Insufficiency/Failure, Renal Transplant, Schizophrenia, Sclerosing Cholangitis, Xeroderma Pigmentosum
(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)
- Do not meet the criteria or any of the Heath Classes (Preferred Best, Preferred, Standard Plus, Standard, Substandard Lite, Substandard Moderate, or Substandard Max)
- Possible Alternative: Guaranteed Acceptance Universal Life (if meets age requirements: Issue Ages 18-70); Coverage ranges from $25,000 – $300,000
(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)
Remember that people don’t plan to fail. They fail to plan.