What class is right for you?

Final health class ratings usually fall within three categories:

Preferred Plus

This category is used for applicants in excellent health and have no negative underwriting results. Cholesterol readings generally are under 200, with no treatment for hypertension, elevated cholesterol or other health related factors. An individual must have no history of tobacco use in the past five years, limited risky avocations and no family history of cancer or heart disease death prior to age 60. Height and weight is also considered in determining your eligibility.

Preferred

This category is used for those applicants who are in excellent health but have one or two minor deviations from the Preferred Plus category. Cholesterol levels generally up to 240 - 250 are acceptable and there must be no tobacco use for three years. Height and weight is also considered in determining your eligibility.

Regular

This category is used for those applicants who have had or currently have several health conditions. Examples may be: heart problems, cancer, major surgeries, overweight, heart attack, depression, DUI, etc. It can be caused by any disqualifications from the Preferred category that is substantial in nature and is usually ongoing and/or recent in occurrence. Height and weight is also considered in determining your eligibility.