Frequently Asked Questions

Underwriting Guidelines

The following insurance company guidelines will help you to select your rate classification. Preferred Plus rate classification offers the lowest rates. But it is hardest to qualify for the underwriting requirements. Only a small percentage of the general population qualifies for Preferred Plus. The Preferred classification is easier to qualify for than Preferred Plus and the premiums are still quite attractive. You must meet all of the requirements in the categories that follow to achieve the respective rate classifications for Preferred Plus or Preferred. If you don't meet all of these requirements then choose the Standard classification. Your actual rate classification will be decided by the applicable insurance company. The actual underwriting requirements vary somewhat from one insurance company to the next.

Try to be as complete and forthcoming as possible when evaluating your rate classification from the following medical guidelines. Choosing an unrealistically high classification can yield an unsatisfactory result and lengthen the process.

MEDICAL GUIDELINES
Underwriting Criteria Preferred Plus Preferred
Asthma Not allowed Not allowed
Blood Pressure Under 140/90. Must not be under treatment Under 140/90. Controlled usually OK
Blood Profile Normal Normal
Cancer
(except some skin cancers)
Not allowed Not allowed
Cardiovascular Disease
Stroke
Not allowed Not allowed
Cholesterol No current treatment allowed. Must be 230 or less. Cholesterol/HDL ratio must be less than 5 Treatment OK. Must be 250 or less. Cholesterol/HDL ratio must be less than 6.5
Depression Not allowed Some companies allow
Diabetes Not allowed Not allowed
Family History No cardiovascular or cancer disease in parents or siblings prior to age 60 No cardiovascular or cancer death in parents or siblings prior to age 60
Urine Profile Normal Normal
 
LIFE STYLE GUIDELINES
Underwriting Criteria Preferred Plus Preferred
Alcohol and Substance Abuse No History allowed No History within 10 years
Aviation (crew) Commercial Airlines OK Commercial Airlines OK
Avocation No participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered racing, rodeo, skuba diving, skydiving, soaring, or ultralight allowed. Some companies allow with a flat extra fee, others specify no participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered racing, rodeo, skuba diving, skydiving, soaring, ultralight
Driving Record No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years. No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years.
Foreign Travel No areas under State Department issued travel advisories allowed. No areas under State Department issued travel advisories allowed.
Occupation No hazardous occupations allowed: specific occupations varies by company Some companies allow with a flat extra fee, others specify no hazardous occupations: specific occupations varies by company
Smoking / Tobacco (non-smoking policies) None for the past 4 or 5 years. Varies by company. None for the past 1 to 3 years. Varies by company.
 
HEIGHT AND WEIGHT GUIDELINES
Underwriting Criteria Preferred Plus and Preferred
Your weight should be less than the maximum allowed for your height. However, some companies will also take body type into account in making this determination. Height Maximum Weight
  MALE FEMALE
4'7"
4'8"
4'9"
4'10"
4'11"
5'0"
5'1"
5'2"
5'3"
5'4"
5'5"
5'6"
5'7"
5'8"
5'9"
5'10"
5'11"
6'0"
6'1"
6'2"
6'3"
6'4"
6'5"
6'6"
6'7"
6'8"
6'9"
6'10"
6'11"
126
131
136
139
143
148
152
157
162
167
171
176
182
188
193
198
204
210
217
223
229
234
240
246
251
258
263
269
276
116
119
122
127
124
136
139
141
144
147
150
152
157
161
167
172
177
182
187
191
196
200
204
208
212
217
220
225
229


Important: Each insurance company ultimately determines your health classification. If you are not satisfied with how a particular insurance company classifies you, we will be happy to help shop your term life insurance application to several insurance carriers to help you get the best available health classification and lowest possible insurance rate.


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