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Home » Determining Your Health Rating Class

Determining Your Health Rating Class


Please refer to the chart below as a guideline for estimating your quote rating class. This chart represents a collective sample of underwriting guidelines and is not intended to be all-inclusive or a guarantee of coverage. Your final rating class will be determined through underwriting and all guidelines vary by company.

  Preferred Plus Preferred Standard Plus Standard
Medical History See list below. See list below. See list below. See list below.
Family History No death from cardiovascular disease or cancer in either parent or siblings prior to age 60. Not more than one parent death from cardiovascular disease or cancer prior to age 60. Not more than one parent death from cardiovascular disease or cancer prior to age 60. No cardiovascular disease or cancer in either parent or siblings prior to age 60.
Cholesterol / HDL Ratio May not exceed 5.0. May not exceed 6.0. May not exceed 7.0. Levels above 7.0 may qualify.
Cholesterol Level May not exceed 220. May not exceed 240. May not exceed 260. Levels above 260 may qualify.
Blood Pressure No history of treatment. May not exceed 140/85. Currently controlled. Current and historic readings over last two years may not exceed 145/88. Currently controlled. Current and historic readings over last two years may not exceed 150/92. Currently controlled. Current and historic readings over last two years may not exceed 150/92.
Alcohol / Substance Abuse No history. No history in the past 10 years. No history in the past 7 years. No history in the past 7 years.
Driving History No DUI, DWI or reckless driving in the past 5 years. No more than 1 moving violations in the last 3 years. No DUI, DWI or reckless driving in the past 5 years. No more than 2 moving violations in the last 3 years. No DUI, DWI or reckless driving in the past 3 years. No more than 3 moving violations in the last 3 years. No DUI, DWI or reckless driving in the past 2 years. No more than 3 moving violations in the last 3 years.
Aviation Commercial airline pilots may qualify. Not available for private pilots. Commercial airline pilots may qualify. Private pilots may qaulify with an exclusion rider or extra premium. Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium. Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium.
Hazardous Avocation Not available. May be available with extra premium. May be available with extra premium. May be available with extra premium.
Residence and / or Citizenship Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Some carriers will consider less than 3 years. Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Some carriers will consider less than 3 years. Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Some carriers will consider less than 3 years. Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. .Some carriers will consider less than 3 years.
Military No active duty. May be on active duty. May be on active duty. May be on active duty.
Foreign Travel No travel to countries under State Department Advisory. Varies by company. No travel to countries under State Department Advisory. Varies by company. No travel to countries under State Department Advisory. Varies by company. No travel to countries under State Department Advisory. Varies by company.
  
Medical History
  
Condition Preferred Plus Preferred Standard Plus Standard
Alcohol / Drug Abuse Dependency History No Yes Yes Yes
Anxiety No No Yes Yes
Arthritis (rheumatoid) No Yes Yes Yes
Asthma No Yes Yes Yes
Chronic Bronchitis No Yes Yes Yes
Cancer No No No Yes
Cardiovascular / Heart Disease No No No Yes
Cholesterol Treatment No Yes Yes Yes
Chronic Obstructive Pulmonary Disease No Yes Yes Yes
Crohn's Disease No No No Yes
Depression No No Yes Yes
Diabetes Type I * No No No No
Diabetes Type II No No No Yes
Emphysema No No No Yes
Epilepsy No No Yes Yes
Hypertension (High Blood Pressure) No Yes Yes Yes
Kidney / Liver Disease (chronic) No No No Yes
Melanoma No No No Yes
Multiple Sclerosis No No No Yes
Sleep Apnea No No No Yes
Stroke (including TIA)* No No No No
Ulcerative Colitis No No No Yes
Vascular Disease No No No Yes
* A substandard rating may be available for these medical conditions, depending on individual circumstances and insurance company guidelines. Please email or call 800-867-2404 for additional information or quotes.

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice.  Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.





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