Term Life Insurance Underwriting Guidelines

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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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