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Home » Determining Your Health Rating Class

Determining Your Health Rating Class

Please refer to the chart below as a guideline for estimating your quote rating class. This chart represents a collective sample of underwriting guidelines and is not intended to be all-inclusive or a guarantee of coverage. Your final rating class will be determined through underwriting and all guidelines vary by company.


	Preferred Plus	Preferred	Standard Plus	Standard

Medical History	See list below.	See list below.	See list below.	See list below.

Family History	No death from cardiovascular disease or cancer in either parent or siblings prior to age 60.	Not more than one parent death from cardiovascular disease or cancer prior to age 60.	Not more than one parent death from cardiovascular disease or cancer prior to age 60.	No cardiovascular disease or cancer in either parent or siblings prior to age 60.

Cholesterol / HDL Ratio	May not exceed 5.0.	May not exceed 6.0.	May not exceed 7.0.	Levels above 7.0 may qualify.

Cholesterol Level	May not exceed 220.	May not exceed 240.	May not exceed 260.	Levels above 260 may qualify.

Blood Pressure	No history of treatment. May not exceed 140/85.	Currently controlled. Current and historic readings over last two years may not exceed 145/88.	Currently controlled. Current and historic readings over last two years may not exceed 150/92.	Currently controlled. Current and historic readings over last two years may not exceed 150/92.

Alcohol / Substance Abuse	No history.	No history in the past 10 years.	No history in the past 7 years.	No history in the past 7 years.

Driving History	No DUI, DWI or reckless driving in the past 5 years. No more than 1 moving violations in the last 3 years.	No DUI, DWI or reckless driving in the past 5 years. No more than 2 moving violations in the last 3 years.	No DUI, DWI or reckless driving in the past 3 years. No more than 3 moving violations in the last 3 years.	No DUI, DWI or reckless driving in the past 2 years. No more than 3 moving violations in the last 3 years.

Aviation	Commercial airline pilots may qualify. Not available for private pilots.	Commercial airline pilots may qualify. Private pilots may qaulify with an exclusion rider or extra premium.	Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium.	Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium.

Hazardous Avocation	Not available.	May be available with extra premium.	May be available with extra premium.	May be available with extra premium.

Residence and / or Citizenship	Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Some carriers will consider less than 3 years.	Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Some carriers will consider less than 3 years.	Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Some carriers will consider less than 3 years.	Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. .Some carriers will consider less than 3 years.

Military	No active duty.	May be on active duty.	May be on active duty.	May be on active duty.

Foreign Travel	No travel to countries under State Department Advisory. Varies by company.	No travel to countries under State Department Advisory. Varies by company.	No travel to countries under State Department Advisory. Varies by company.	No travel to countries under State Department Advisory. Varies by company.

Medical History


Condition	Preferred Plus	Preferred	Standard Plus	Standard

Alcohol / Drug Abuse Dependency History	No	Yes	Yes	Yes

Anxiety	No	No	Yes	Yes

Arthritis (rheumatoid)	No	Yes	Yes	Yes

Asthma	No	Yes	Yes	Yes

Chronic Bronchitis	No	Yes	Yes	Yes

Cancer	No	No	No	Yes

Cardiovascular / Heart Disease	No	No	No	Yes

Cholesterol Treatment	No	Yes	Yes	Yes

Chronic Obstructive Pulmonary Disease	No	Yes	Yes	Yes

Crohn's Disease	No	No	No	Yes

Depression	No	No	Yes	Yes

Diabetes Type I *	No	No	No	No

Diabetes Type II	No	No	No	Yes

Emphysema	No	No	No	Yes

Epilepsy	No	No	Yes	Yes

Hypertension (High Blood Pressure)	No	Yes	Yes	Yes

Kidney / Liver Disease (chronic)	No	No	No	Yes

Melanoma	No	No	No	Yes

Multiple Sclerosis	No	No	No	Yes

Sleep Apnea	No	No	No	Yes

Stroke (including TIA)*	No	No	No	No

Ulcerative Colitis	No	No	No	Yes

Vascular Disease	No	No	No	Yes

* A substandard rating may be available for these medical conditions, depending on individual circumstances and insurance company guidelines. Please email or call 800-867-2404 for additional information or quotes.

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

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