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Term Life Insurance Quote Online Underwriting Guidelines


Review these general life insurance guidelines to help you select your underwriting classification. The Preferred Plus life insurance company classification offers extremely low insurance rate premiums, but is also the most difficult to achieve. Only the top 10% of the general population qualifies for this designation. The Preferred life insurance company classification offers the next lowest rate premiums and is easier to qualify for most individuals. You must meet all of the requirements in the Preferred Plus or Preferred columns to achieve those insurance rate classifications. Your classification will ultimately be determined by the underwriting insurance company. Actual requirements will vary slightly from company to company.

Be as accurate and honest as possible when reviewing these low cost life insurance guidelines. Selecting a low cost life insurance classification that is higher than you can qualify for leads to a prolonged and unsatisfactory underwriting phase.


Medical Guidelines
Underwriting Criteria Preferred Plus Preferred
Asthma Not allowed Not allowed
Blood Pressure Under 140/90. Must not be under treatment Under 140/90. Controlled usually OK
Blood Profile Normal Normal
Cancer (except some skin cancers) Not allowed Not allowed
Cardiovascular Disease / Stroke Not allowed Not allowed
Cholesterol No current treatment allowed. Must be 230 or less. Cholesterol/HDL ratio must be less than 5 Treatment OK. Must be 250 or less. Cholesterol/HDL ratio must be less than 6.5
Depression Not allowed Some companies allow
Diabetes Not allowed Not allowed
Family History No cardiovascular or cancer disease in parents or siblings prior to age 60 No cardiovascular or cancer death in parents or siblings prior to age 60
Urine Profile Normal Normal
Life Style Guidelines
Underwriting Criteria Preferred Plus Preferred
Alcohol and Substance Abuse No History allowed No History within 10 years
Aviation (crew) Commercial Airlines OK Commercial Airlines OK
Avocation No participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered racing, rodeo, skuba diving, skydiving, soaring, or ultralight allowed. Some companies allow with a flat extra fee, others specify no participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered racing, rodeo, skuba diving, skydiving, soaring, ultralight
Driving Record No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years. No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years.
Foreign Travel No areas under State Department issued travel advisories allowed. No areas under State Department issued travel advisories allowed.
Occupation No hazardous occupations allowed: specific occupations varies by company Some companies allow with a flat extra fee, others specify no hazardous occupations: specific occupations varies by company
Smoking / Tobacco (non-smoking policies) None for the past 4 or 5 years. Varies by company. None for the past 1 to 3 years. Varies by company.
Height and Weight Guidelines
Underwriting Criteria Preferred Plus and Preferred
 
Your weight should be less
than the maximum allowed for
your height. However, some
companies will also take body
type into account in making this determination.
 
Height Maximum Weight
  Male Female
4'7" 126 116
4'8" 131 119
4'9" 136 122
4'10" 139 124
4'11" 143 127
5'0" 148 136
5'1" 152 139
5'2" 157 141
5'3" 162 144
5'4" 167 147
5'5" 171 150
5'6" 176 152
5'7" 182 157
5'8" 188 161
5'9" 193 167
5'10" 198 172
5'11" 204 177
6'0" 210 182
6'1" 217 187
6'2" 223 191
6'3" 229 196
6'4" 234 200
6'5" 240 204
6'6" 246 208
6'7" 251 212
6'8" 258 217
6'9" 263 220
6'10" 269 225
6'11" 276 229

Important:
note to visitors of FindMyInsurance.com: Other term life quotation services will quote ALL their potential customers at the Preferred Plus classification in order to present the lowest possible premiums. The problem with this practice is that most individuals (about 80-90%) do not qualify for this classification and are not made aware of this until they are presented with higher rates after waiting through several weeks to months of the underwriting phase. Don't let this happen to you. At FindMyInsurance.com we present the lowest priced, more realistic premium quotes to you upon your initial visit.

Important:
Your health classification will ultimately be determined by the underwriting insurance company. If you are not satisfied with the classification they assign to you, we will be happy to shop your profile around to other carriers. Remember, actual underwriting requirements will vary slightly from company to company.


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