Life Insurance Qualifications

Your personal medical and family health history are factors in determining the rate class under which you can purchase life insurance. Many sites only quote the rates for the healthiest people, but this can be misleading. The insurance company determines your rate class after you have completed your application and if necessary blood and urine tests. Depending on your age and the amount of insurance you are interested in, additional tests may be required.

The information below will help you understand some criteria the insurance company uses to determine your rate class.

Class
Preferred Plus $

Preferred $$

Standard $$$

Height & Weight

maximum height/weight 4'11" 142 5'0" 144 5'1" 149 5'2" 153 5'3" 158 5'4" 163 5'5" 166 5'6" 171 5'7" 177 5'8" 182 5'9" 187 5'10" 192 5'11" 197 6'0" 205 6'1" 209 6'2" 214 6'3" 220 6'4" 227 6'5" 232 6'6" 238 6'7" 245

maximum height/weight 4'11" 156 5'0" 161 5'1" 166 5'2" 171 5'3" 177 5'4" 180 5'5" 186 5'6" 191 5'7" 197 5'8" 202 5'9" 207 5'10" 213 5'11" 219 6'0" 226 6'1" 232 6'2" 239 6'3" 245 6'4" 250 6'5" 258 6'6" 264 6'7" 271 maximum height/weight 4'11" N/A 5'0" 184 5'1" 189 5'2" 193 5'3" 198 5'4" 204 5'5" 210 5'6" 215 5'7" 220 5'8" 226 5'9" 231 5'10" 238 5'11" 245 6'0" 251 6'1" 257 6'2" 265 6'3" 272 6'4" 279 6'5" 286 6'6" 299 6'7" 307

Tobacco Use No tobacco use in the past 5 years No tobacco use in the past 3 years
(only for preferred non-smoker) No tobacco use in the past year
(only for non-smoker)

Blood Pressure 140/90 without medication 140/90 with medication
or
150/90 without medication 150/90 with medication
or
155/95 if age 41-60
or
160/95 if age 61 or higher

Cholesterol 230 without medication
&
HDL ratio under 5.0 250 with or without medication
&
HDL ratio under 7.0 300 with or without medication
&
HDL ratio under 8.0

Driving Record No more than 2 moving violations in the past 3 years
&
No DUI/reckless driving in past 5 years No more than 2 moving violations in the past 2 years
&
No DUI/reckless driving in past 5 years No more than 2 moving violations in the past 1 year
&
No DUI/reckless driving in past 2 years

Family History No parents or siblings diagnosed with heart disease/cancer before age 60 No parents or siblings died of heart disease/cancer before age 60 Not applicable

Citizenship US Resident for past 3 years (or permanent visa/green card) US Resident for past 3 years (or permanent visa/green card)
US Resident for past 3 years (or permanent visa/green card)

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