Determine Health Class and Term Life Insurance Rates for Non-Smokers
NOTE: Use the following tables if you HAVE NOT USED cigarettes, pipes, chewing tobacco, snuff, nicotine patches or nicotine gum in the last 12 months.
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Cigarettes, pipes, chewing tobacco, snuff, nicotine patches, nicotine gum
These tables offer general guidelines as to how most companies will classify you (standard tobacco, preferred cigarette, or standard cigarette) based on medical and personal issues. The number of classes and class criteria varies by life insurance company. If you do not meet one or more of the requirements listed in the standard tobacco or preferred cigarette columns, please select “standard” when calculating your quotes. If you have a health impairment, higher table rates than standard may apply. Underwriting requirements vary by company. If you have questions, please contact us TOLL FREE at 1-800-963-6405 and we can provide you with additional information.
| Category | Best/Preferred Plus | Preferred | Standard Plus | Standard |
|---|---|---|---|---|
| Physical / Mental Impairments and Medical History | No health impairment allowed. No personal history of cardiovascular disease or diabetes. | personal history of cardiovascular disease or diabetes. No health impairment allowed. No personal history of cardiovascular disease or diabetes. | Some minor health impairment allowed. | Some health impairment allowed. Can have personal history of certain medical conditions. |
| Blood Pressure | No current or past history of blood pressure treatment. Current and average readings in the past two years not greater than 140/85. | Currently well controlled with current and average readings in the past two years not greater than: 150/90 | Currently well controlled with current and average readings in the past two years not greater than: 150/90 – age 60 and younger, 155/95 – age 61 and over. | Currently well controlled with current and average readings in the past two years not greater than: 155/95 – age 60 and younger, 160/95 – age 61 and over. |
| Family Medical History | No cardiovascular disease or cancer in either parent or siblings before age 61 | No cardiovascular death of either parent before age 61. | No more than one cardiovascular death in parents before age 61. | No more than one cardiovascular death in parents before age 61. |
| Personal Driving History | Not available if 2 or more moving violations in last 3 years, or if any DUI in last 60 months. | Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 60 months. | Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months. | Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months. |
| Use of Tobacco or Nicotine Products | No use in the past 36 months. | No use in the last 12-36 months (varies by company). | No use in the last 12-24 months (varies by company). | No use in the last 12 months |
| History of Cancer | Depending on company, only available on certain types of skin cancer. | Only available on certain types of skin cancer. | Coverage may be available based on specific cancer history. | Coverage may be available based on specific cancer history. |
| Cholesterol Readings | Levels may not exceed 220. | Levels may not exceed 250. | Levels may not exceed 285. | Levels may not exceed 300. |
| Cholesterol / HDL Ratio | May not exceed 4.0-5.0 (varies by company). | May not exceed 6.0-6.5 (varies by company). | May not exceed 7.0 (varies by company). | May not exceed 7.5-8.0 (varies by company). |
| Substance or Alcohol Abuse | No history of substance or alcohol abuse. | No history of, or treatment for, abuse in past 10 years. | No history of, or treatment for, abuse in past 7 years. | No history of, or treatment for, abuse in past 7 years. |
| Aviation | Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion. | Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. | Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. | Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. |
| Hazardous Activities (i.e. Sky diving, Hang gliding, Rock climbing, Scuba diving etc) | Available only if no flat extra premium would be required. | Available; however, may have flat extra. | Available; however, may have flat extra. | Available; however, may have flat extra. |
| Residency-Citizenship | Must be a US resident for past 3 years and either a 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 Green card. | Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card. | Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card. |