Life Insurance Underwriting Rating Classes

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Please refer to the chart below as a guideline for estimating your life insurance underwriting rating class. This chart represents a collective sample of life insurance underwriting guidelines and is not intended to be all-inclusive or a guarantee of coverage. Your final term life insurance rates will be determined through underwriting and all guidelines vary by company.

Factors for Life Insurance Underwriting

The following are key factors that the term companies take into consideration with life insurance underwriting. These may vary by carrier.

Preferred Plus Preferred Standard Plus Standard
Medical History See list below See list below See list below See list below
Family History No cardiovascular disease or cancer in either parent or siblings prior to age 60. No death from cardiovascular disease or cancer in either parent or siblings prior to age 60. Not more than one parent death from cardiovascular disease or cancer prior to age 60. Not more than one parent death from cardiovascular disease or cancer prior to age 60.
Cholesterol / HDL Ratio May not exceed 5.0 May not exceed 6.0 May not exceed 7.0 Levels above 7.0 may qualify
Cholesterol Level May not exceed 220 May not exceed 240 May not exceed 260 Levels above 260 may qualify
Blood Pressure No history of treatment. May not exceed 140/85. Currently controlled. Current and historic readings over last two years may not exceed 145/88 Currently controlled. Current and historic readings over last two years may not exceed 150/92 Currently controlled. Current and historic readings over last two years may not exceed 150/92
Alcohol / Substance Abuse No history. No history in the past 10 years. No history in the past 7 years. No history in the past 7 years.
Driving History No DUI, DWI or reckless driving in the past 5 years. No more than 1 moving violations in the last 3 years. No DUI, DWI or reckless driving in the past 5 years. No more than 2 moving violations in the last 3 years. No DUI, DWI or reckless driving in the past 3 years. No more than 3 moving violations in the last 3 years. No DUI, DWI or reckless driving in the past 2 years. No more than 3 moving violations in the last 3 years.
Aviation Commercial airline pilots may qualify. Not available for private pilots. Commercial airline pilots may qualify. Private pilots may qaulify with an exclusion rider or extra premium. Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium. Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium.
Hazardous Avocation Not available. May be available with extra premium. May be available with extra premium. May be available with extra premium.
Residence and / or Citizenship Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa.
Military No active duty. May be on active duty. May be on active duty. May be on active duty.
Foreign Travel No travel to countries under State Department Advisory. Varies by company. No travel to countries under State Department Advisory. Varies by company. No travel to countries under State Department Advisory. Varies by company. No travel to countries under State Department Advisory. Varies by company.

life insurance

Medical Conditions and Life Insurance Underwriting Classes

Condition Preferred Plus Preferred Standard Plus Standard
Alcohol / Drug Abuse Dependancy History No Yes Yes Yes
Anxiety No No Yes Yes
Arthritis (rheumatoid) No Yes Yes Yes
Asthma No Yes Yes Yes
Chronic Bronchitis No Yes Yes Yes
Cancer No No No Yes
Cardiovascular / Heart Disease No No No Yes
Cholesterol Treatment No Yes Yes Yes
Chronic Obstructive Pulmonary Disease No Yes Yes Yes
Crohn’s Disease No No No Yes
Depression No No Yes Yes
Diabetes Type I * No No No No
Diabetes Type II No No No Yes
Emphysema No No No Yes
Epilepsy No No Yes Yes
Hypertension (High Blood Pressure) No Yes Yes Yes
Kidney / Liver Disease (chronic) No No No Yes
Melanoma No No No Yes
Multiple Sclerosis No No No Yes
Sleep Apnea No No No Yes
Stroke (including TIA)* No No No No
Ulcerative Colitis No No No Yes
Vascular Disease No No No Yes

Paper cut of family with house and car on green grass

Life Insurance Underwriting Guidelines for Height and Weight

This Life Insurance Underwriting table can be used for both male and female insureds. Once again they are general in nature, but do represent the allowable maximums for either Preferred Plus, Preferred, or Standard rates from most companies. If your weight exceeds the maximum shown here, use Standard rates in calculating your quote.

Your Height Maximum Weight
Height Preferred Plus Preferred Standard
4’10″ 137 144 169
4’11″ 141 149 175
5’0″ 145 154 189
5’1″ 149 159 193
5’2″ 153 164 197
5’3″ 158 169 204
5’4″ 162 175 209
5’5″ 166 180 215
5’6″ 170 186 220
5’7″ 176 192 225
5’8″ 182 197 230
5’9″ 188 203 235
5’10″ 193 209 242
5’11″ 199 215 251
6’0″ 205 221 256
6’1″ 211 227 263
6’2″ 216 234 271
6’3″ 222 240 279
6’4″ 227 246 286
6’5″ 233 253 293
6’6″ 238 260 300
6’7″ 243 266 307
6’8″ 249 273 316
6’9″ 254 280 325
6’10″ 260 287 333
6’11″ 265 294 341

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