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