Health Rate Class Guidelines

Health Rate Class Guidelines

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 630-393-6500 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

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