Health Qualifications
Below is a basic guideline for underwriting in life insurance. It is important to note however that this information varies from company to company. This is not meant to provide exact underwriting, rather as a guide to see where you may qualify. Our agents will take into consideration all your health related issues and can better access where you will be rated. Also there are some companies with more leniant restrictions in certain areas that may be available, so please be sure to consult with one of our agents.

Parameter
Preferred Plus
Preferred
Regular/Standard
Family
No cancer or cardiovascular death of either parent or sibling before age 60.
No cancer or cardiovascular 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 220, HDL: Less than 5.0
Under 250, 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 2 years. No record of DUI or reckless driving in the past 5 years.
No more than 2 moving violations in the past 2 years. No record of DUI or reckless driving in the past 5 years.
No more than 2 moving violations in the past year. 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 2 years, also preferred smoker rates available.
No use of nicotine products in past 1 year, also standard smoker rates available.
Substance/Alcohol Abuse
No history of alcohol or substance abuse.
No history of alcohol or substance abuse in the past 10 years.
No alcohol or substance abuse in the past 7 years.
Aviation
available with additional rider.
available with additional rider.
available with additional rider.