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Best Insurance Rates

Wondering how the insurance company will rate your health?
Below are some general guidlines that they use:

Parameter

Preferred Plus

Preferred

Regular/Standard

Family

No cancer or cardiovascular death of either parent before age 60.

No cancer or cardio vascular death of either parent before age 60.

No more than 1 cancer or cardiovascular death of parents before age 60.

Blood Pressure

140/85

150/90

155/95

Cholesterol Levels

Under 210, HDL: Less than 5.0

Under 240, HDL: Less than 6.5

Under 280, HDL: Less than 8.0

Health History

No history of major health conditions, such as, cancer, diabetes, heart disease.

No history of major health conditions, such as, cancer, diabetes, heart disease.

Some major health conditions allowed.

Driving History

No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving.

No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 5 years.

No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years.

Tobacco

No use of nicotine products in past 3 years.

No use of nicotine products in past 3 years, also preferred smoker rates available.

No use of nicotine products in past 1 year, also standard smoker rates available.

Substance or Alcohol Abuse

No history of alcohol or substance abuse.

No history of alcohol or substance abuse.

No alcohol or substance abuse in the past 7 years.

Aviation

available with additional rider.

available with additional rider.

available with additional rider.

Life Insurance Basics
Basics of Term Life
Basics of Perm. Insurance
Who Needs Life Ins.
Life Ins. Guide
Lowering Your Costs?
How Risky Are You?
How Is Health Rated?
Life Ins. Resources
Insurance Co. Ratings
Glossary of Terms