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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.
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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
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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