A Guide to Health Classes for Life Insurance Policies (Non-Tobacco Users)

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These tables offer general guidelines as to how most insurers will classify you (preferred plus, preferred, standard plus or standard) based on health and personal issues. The number of classes and class criteria varies by insurer. Those not meeting the requirements listed in the preferred plus, preferred, or standard plus columns, select "standard" when calculating your quotes.


If you have a health ailment, higher table rates than standard may apply. Underwriting requirements vary by insurer. If you have questions, contact your agent who can provide you with additional information.

Category Preferred Plus Preferred Standard Plus Standard
Physical / Mental Ailments and Health History No medical ailments allowed. No personal history of cardiovascular disease or diabetes. No medical ailments allowed. No personal history of cardiovascular disease or diabetes. Some minor medical ailments allowed. Some medical ailments allowed. Can have personal history of certain health 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. Presently well controlled with current and average readings in the past two years not greater than: 150/90 Presently 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. Presently 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 Health 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.
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 Nicotin 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.

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