Determine Term Life Insurance For Smokers Health Class and Rates
NOTE: Use the following tables if you HAVE USED cigarettes, pipes, chewing tobacco, snuff, nicotine patches or nicotine gum in the last 12 months.
Click Here non Tobacco or Nicotine Users
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 | Standard Tobacco | Preferred Cigarette | Standard Cigarette |
|---|---|---|---|
| Physical & Mental Impairments and Medical History | No ratable health impairments. No personal history of cardiovascular disease or diabetes. | No ratable health impairments. No personal history of cardiovascular disease or diabetes. | No ratable health impairments. Can have personal history of certain medical conditions. |
| Blood Pressure | Currently well controlled with current and average readings in the past two years not greater than: 140/90 – age 60 or younger, 150/90 – age 61 or older. | Currently well controlled with current and average readings in the past two years not greater than: 140/90 – age 60 or younger, 150/90 – age 61 or older. | Currently well controlled with current and average readings in the past two years not greater than: 140/90 – age 60 or younger, 150/90 – age 61 or older. |
| Family Medical History | No cardiovascular death of either parent before age 61. | No cardiovascular death of either parent before age 61. | No cardiovascular death of not more than one parent before age 61. |
| Personal Driving History | Not available if 2 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 60 months. | Not available if 2 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. |
| Use of Tobacco or Nicotine Products | Use of pipes, chew, snuff, or nicotine patches/gum in the last 12 months. | Use of cigarettes in the last 12 months. | Use of cigarettes, pipes, chew, snuff, or nicotine patches/gum in the last 12 months. |
| History of Cancer | Only available on certain types of skin cancer. | Only available on certain types of skin cancer. | Available depending on type and duration of cancer. |
| Cholesterol Readings | Levels may not exceed 250. | Levels may not exceed 250. | Levels may not exceed 280. |
| Cholesterol / HDL Ratio | May not exceed 6.0. | May not exceed 6.0. | May not exceed 7.5. |
| Substance or Alcohol Abuse | No abuse in past 10 years. | No abuse in past 10 years. | No abuse in past 7 years. |
| Aviation | 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; 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 US citizen or have permanent Visa or Green card. | 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. |