Determine your overall term life insurance rate by your health class

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Determine Your Health Class*

GUIDELINES	Preferred Plus	Preferred	Regular/Standard
Family	No cardiovascular death of either parent before age 60.	No cancer or cardiovascular death of either parent before age 60.	No more than 1 cancer or cardiovascular death of parents before age 60.
Blood Pressure	150/90	155/100	170/100
Cholesterol Levels	6.0/250	7.0/280	8.0/300
Health History	No history of major health conditions, such as, cancer, diabetes, heart disease.	No history of major health conditions, such as, cancer, diabetes, heart disease.	Some major health conditions allowed.
Driving History	No more than 2 moving violations in the past 3 years. No DUI in 5 years.	No more than 3 moving violations in the past 3 years. No DUI in the past 5 years.	No more than 4 moving violations in the past 3 years. No record of DUI in the past 3 years.
Tobacco	No use of nicotine products in past 3 years.	No use of nicotine products in past 2 years. Preferred smoker rates also available.	Occasional use of nicotine products in past year, and standard smoker rates available.
Substance/Alcohol Abuse	No history of alcohol or substance abuse.	No history of alcohol or substance abuse.	No alcohol or substance abuse in the past 7 years.
Aviation	available with additional rider.	available with additional rider.	available with additional rider.

* - Besides the above profile, height and weight, are extremely important in the overall rate someone qualifies for.

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