Life Insurance Criteria

Receiving the Most Accurate Life Insurance Health Classifications and Quotes

If you smoke cigarettes on a regular basis please see our health classification for smokers for information on how to receive your most accurate quote.

When applying for term life insurance through our quote system, it is imperative that you choose your health class properly. Improperly choosing your health class will lead to inaccurate life insurance health classifications and life insurance quotes. This ultimately will lead to problems in later steps of the application process.

Know Your Life Insurance and Medical History

In order to guarantee that you get the most accurate rates we recommend that you:

  • Review the health classification table (below) carefully.
  • Research your family's life insurance and medical history so that you are aware of any medical conditions.
  • If you feel that you are in between health classes, select the better class. Our qualified customer service staff will investigate all the options and find you the lowest rate.

If you have any questions or concerns about life insurance criteria, please call us toll free at 1-800-823-4852 from 8 a.m. to 5 p.m. Pacific Time, Monday through Friday.

Preferred Plus/Best Class Preferred
  • No health impairments
  • No history of diabetes, cancer or heart disease
  • No high blood pressure
  • No Cardiovascular disease or cancer in either parent or siblings before age 60
  • No tobacco use in 36-60 months (varies by company)
  • Cholesterol under 220
  • No substance abuse
  • No hazardous activities
  • No health impairments
  • No history of diabetes, cancer or heart disease
  • May have controlled blood pressure
  • No Cardiovascular or cancer death in either parent before age 60
  • No tobacco use in last 12-36 months (varies by company)
  • Cholesterol under 250
  • No hazardous activities
Standard Plus Standard
  • Only minor health impairments
  • May have currently controlled blood pressure
  • No Cardiovascular death of more than one parent before age 60
  • No tobacco use in last 12-24 months (varies by company)
  • Cholesterol under 285
  • No substance abuse in past 7 years
  • No hazardous activities
  • Some health impairments
  • May have currently controlled blood pressure
  • No cardiovascular death of a parent before age 61
  • No tobacco use in last 12 months (varies by company)
  • Cholesterol under 300
  • no substance abuse in past 7 years
  • No hazardous activities

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