Term Life Insurance Quotes

In order to help determine what health category you are, please refer to the following charts.

These charts are only a guideline and will not be the final determination of your rating. Your health classification will be determined by the Underwriting department based on the information submitted and obtained.

Best Preferred

Preferred

Regular

Tobacco Use

None in 15 Years

None in 2 Years

None in 1 Year

Health¹

Best

Better than Standard

Standard

Lifestyle²

Lowest Risk

Low risk

Standard

Build³

Approximately 80% of standard table

Approximately 85% of standard table

Standard table

Family History⁴

No cancer, heart disease, or stroke before age 65

No heart disease, or stroke before age 65

Standard Rules

1. Health measures include blood pressure, cholesterol, diabetes, cancer, liver and other impairments. 2. Lifestyle measures include alcohol/drug abuse, driving under the influence, motor vehicle record, travel, hazardous sports, and aviation.

3. Build is based on the insured person’s weight, given their height, compared to the standard population.

4. Family history results are based on the insured person’s parents and siblings.

Build Chart - non-tobacco users

Best Preferred		Preferred		Regular
Height (ins)	Weight (lbs)	Height (ins)	Weight (lbs)	Height (ins)	Weight (lbs)
56	130	56	140	56	173
57	133	57	143	57	176
58	136	58	146	58	180
59	139	59	149	59	184
60	143	60	153	60	186
61	147	61	157	61	192
62	151	62	161	62	197
63	155	63	165	63	203
64	160	64	170	64	208
65	165	65	175	65	214
66	171	66	182	66	219
67	178	67	189	67	225
68	184	68	196	68	231
69	191	69	204	69	238
70	197	70	211	70	243
71	204	71	218	71	249
72	210	72	225	72	255
73	214	73	230	73	262
74	218	74	235	74	269
75	222	75	240	75	277
76	226	76	245	76	285
77	230	77	250	77	294
78	234	78	255	78	303

Blood Pressure Limits - non-tobacco users

Age	Best Preferred	Preferred	Regular
18 - 39	125 / 75	130 / 80	145 / 95
40 - 44	130 / 75	135 / 80	155 / 95
45 - 49	135 / 80	140 / 85	155 / 95
50 - 59	135 / 80	140 / 85	160 / 95
60 - 70	140 / 85	145 / 90	165 / 95
71 - 85	145 / 90	n/a	165 / 95

Total Cholesterol / HDL ratio - non-tobacco users

Age	Best Preferred	Preferred	Regular
18 - 39	200 / 4.5	210 / 5.0	290 / 8.5
40 - 44	200 / 5.0	210 / 5.5	290 / 8.5
45 - 49	220 / 5.5	235 / 6.0	310 / 8.5
50 - 59	220 / 5.5	235 / 6.0	310 / 10.5
60 - 70	220 / 5.5	235 / 6.0	330 / 12.5
71 - 85	300 / 6.0	n/a	350 / 12.5

These charts are maximum limits and apply to both males and females. The Health classification will be determined by the Underwriting Department