Rate Class Guidelines

Note:  This is merely an estimate and there is no guarantee that a policy will be issued at these or any other rates.

Health Guidelines to determine your Rate Class.
Criteria Preferred Plus Preferred Standard Plus Standard
Blood Pressure No current or past history of blood pressure treatment. Blood Pressure not greater than 140/85. (varies by company). Well Controlled for the last 2 years and Blood Pressure not more than 150/90. (varies by company). Well Controlled for the last 2 years and Blood Pressure not more than 150/90 – age 60 and younger, 155/95 – age 61 and over. (varies by company). Well Controlled for the last 2 years and Blood Pressure not more than 150/90 – age 60 and younger, 155/95 – age 61 and over. (varies by company).
Cholesterol Under 220 Under 240 Treated Cholesterol allowed if controlled for the last two years. Under 280 Under 280
Cholesterol / HDL Ratio Less than 5.0 (varies by company). Less than 6.5 (varies by company). Less than 7.0 (varies by company). Less than 8.0 (varies by company).
Height/Weight Please take height/weight into consideration when determining your health class. All company guidelines differ.
History of cancer Only few companies provide in case of certain type of skin cancer. Available only with certain types of skin cancer. It depends on your specific cancer history. It depends on your specific cancer history.
Family Medical History No death or diagnosis among parents or siblings from cardiovascular disease, stroke, or cancer before age 60. No death among parents from cardiovascular disease, stroke, or cancer before age 60. No death of more than one parent before age 60. No death of more than one parent before age 60.
Use of any Tobacco Products Must not have used any tobacco or nicotine based products in the last 3 years. Must not have used any tobacco or nicotine based products in the last 1-2 years. (varies by company). Must not have used any tobacco or nicotine based products in the last 1-3 years. (varies by company). No use in the last 12 months.

 


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