This chart will help you identify which rate class you may obtain based on your specific health information. This is a general guide only. Each company has its own underwriting guidelines. We will help you identify which rate class and insurance company best suites you. 10% or less of the population qualifies for preferred best. Most people qualify for standard non smoker.
Category
Physical/Mental Impairments and Medical History |
Preferred Best Non Smoker
NO history of heart, stroke, diabetes, cancer, respiratory, circulatory, anxiety, depression, sleep apnea, or internal problems. |
Preferred Non-Smoker
NO history of heart, stroke, diabetes, cancer, anxiety, respiratory, circulatory, depression, sleep apnea, or internal problems. |
Standard Plus Non-Smoker
Some minor history of heart, stroke, diabetes, cancer, respiratory, circulatory, anxiety, depression, sleep apnea, or any other problems |
Standard Non-Smoker
Some minor history of heart, stroke, diabetes, cancer, respiratory, circulatory, anxiety, depression, sleep apnea, or any other problems. |
Family Medical
History |
No cardiovascular disease or cancer in either parent or siblings before age 60
|
No cardiovascular or cancer death in either parent.
|
No cardiovascular or cancer death in both parents.
|
No cardiovascular death
in both parents. |
Personal Driving History
|
No more than 2 moving
violations in last 3 years and No DWI, DUI, reckless driving, or suspension in last 5 years. |
No more than 2 moving
violations in last 3 years and No DWI, DUI, reckless driving, or suspension in last 5 years. |
No more than 3 moving
violations in last 3 years and No DWI,DUI, reckless driving, or suspension in last 3 years. |
No more than 3 moving
violations in last 3 years and No DWI, DUI, reckless driving, or suspension in last 3 years. |
Cholesterols
Readings and Ratio |
May not exceed 220 or
ratio of 5.0, with or without treatment. |
May not exceed 250 or
ratio of 6.0, with or without treatment |
May not exceed 280 or
ratio of 7.0, with or without treatment |
May not exceed 300 or
ratio of 8.0, with or without treatment |
Blood Pressure
|
140/80 or less. No
current treatment. Prior treatment OK, if 2+ years |
Current or past
treatment OK. 145/90 |
Current or past
treatment OK. 152/90 |
Current or past
treatment OK. 156/92 |
Cancer
|
Only some skin cancers
|
Only some skin cancers
|
Depends type/date of onset
|
Depends type/date of onset.
|
Tobacco/Nicotine Products.
|
No use within last 5 years
|
No use within last 3 years
|
No use within last 2 years
|
No use within the last year
|
(Occaisonal cigar use is considered non nicotine if nicotine test is negative and less than 12 per year for most insurance companies)
Learn more: What do Insurance Companies Test For In Our Blood And Urine? What are the Types of Life Insurance Underwriting?
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The four medical companies nationwide that administer these physicals are:
Portamedic Exam One Emsi APPS