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Health Rate Class Guidelines

Mar.30, 2009 in Underwriting

Typical Health Rate Class Guidelines

Life insurance policy underwriting is custom-tailored to your particular circumstances and the underwriter places you into one of the following categories based on your expected mortality. Use this as a guideline to prepare your term life insurance quote; your final health rate class may differ based on the insurance company’s underwriter. These guidelines may be different from each company. If you have any medical conditions that you have questions with regarding your health rate class feel free to call use at 1-888-858-TERM or email us through the contact us page.

Preferred-Plus Non-tobacco:

Typically for the best risks who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past 5 years.

Blood Pressure: 140/85 without medication.

Cholesterol: 230 without medication & HDL ratio under 5.0.

Driving Record: No more than 2 moving violations in the past 3 years &
no DUI/reckless driving in past 5 years.

Family history: No parents or siblings diagnosed with heart disease/cancer before age 60 and no history of tobacco use in the past five years.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Preferred Non-tobacco

Typically for generally health individuals who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past 3 years (only for preferred non-smoker).

Blood Pressure: 140/85 with medication or 150/90 without medication.

Cholesterol: 250 with or without medication & HDL ratio under 6.0.

Driving Record: No more than 2 moving violations in the past 3 years &
no DUI/reckless driving in past 5 years.

Family history: No parents or siblings died of heart disease/cancer before age 60.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Standard-Plus Non-tobacco or Regular-Plus

Considered the standard rate for mortality assumptions, this rate is where most individuals are classified. For those who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past year (only for non-smoker).

Blood Pressure: 150/90 with medication or 155/95 if age 41-60 or 160/95 if age 61 or higher.

Cholesterol: 265 with or without medication and HDL ratio under 6.5.

Driving Record: No more than 3 moving violations in the past 3 years &
no DUI/reckless driving in past 2 years.

Family history: No parents or siblings died of heart disease/cancer before age 60.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Standard Non-tobacco or Regular

Considered the standard rate for mortality assumptions, this rate is where most individuals are classified. For those who meet the Height & weight chart below and these guidelines:

Tobacco Use: No tobacco use in the past year (only for non-smoker).

Blood Pressure: 150/90 with medication or 155/95 if age 41-60 or 160/95 if age 61 or higher.

Cholesterol: 300 with or without medication and HDL ratio under 8.0.

Driving Record: No more than 3 moving violations in the past 3 years &
no DUI/reckless driving in past 2 years.

Family history: Not applicable.

Citizenship: US Resident for past 3 years (or permanent visa/green card).

Height and Weight

Your build is an important factor in life insurance underwriting. The chart below is an example of the maximum weight for each possible height. First, locate your height and then determine which rate class you fall in based on your weight. Enter the corresponding rate class in the quote form to see how your rate compares from different carriers.

Height	Preferred Plus Non-tobacco	Preferred Non-tobacco	Standard Plus Non-tobacco	Standard Non-tobacco
5′0″	145	154	164	184
5′1″	149	159	169	191
5′2″	153	164	174	197
5′3″	158	169	179	203
5′4″	162	175	185	210
5′5″	166	180	190	216
5′6″	170	186	196	223
5′7″	176	192	202	230
5′8″	182	197	207	237
5′9″	188	203	213	244
5′10″	193	209	220	251
5′11″	199	215	226	258
6′0″	205	221	232	265
6′1″	211	227	239	273
6′2″	216	234	245	280
6′3″	222	240	252	288
6′4″	227	246	259	296
6′5″	233	253	266	304
6′6″	238	260	273	312
6′7″	243	266	280	320
6′8″	249	273	287	328
6′9″	254	280	294	336
6′10″	260	287	301	344
6′11″	265	294	309	352

Tags: Health, Michael Fry, Naperville, Steward Financial Services, Term Life Insurance, Underwriting

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Because Affordable Life Insurance Shouldn’t Be So RUFF!

Health Rate Class Guidelines

Typical Health Rate Class Guidelines

Preferred-Plus Non-tobacco:

Preferred Non-tobacco

Standard-Plus Non-tobacco or Regular-Plus

Standard Non-tobacco or Regular

Height and Weight

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Insurance 101

TermDog Privacy Policy

TermDog Disclosure