| Height and Weight Guidelines |
| This 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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| |
| Medical Guidelines |
| Underwriting Criteria |
Preferred Plus |
Preferred |
Standard |
| Physical/Mental Impairments and Medical History |
No health impairments allowed. No personal history of cardiovascular disease or diabetes. |
No health impairments allowed. No personal history of cardiovascular disease or diabetes. |
Some health impairments allowed. Can have personal history of certain cardiovascular diseases or diabetes. |
| Blood Pressure |
No current or past history of blood pressure treatment. Current and average readings in the past two years not greater than 140/85. |
Currently well controlled with current and average readings in the past two years not greater than: 150/90 |
Currently well controlled with current and average readings in the past two years not greater than: 150/90 - age 45 and younger, 154/93 - ages 45-60, 158/95 - ages 61 and over. |
| Family Medical History |
No cardiovascular disease or cancer in either parent or siblings before age 60. |
No cardiovascular death of either parent before age 60. |
No cardiovascular death of not more than one parent before age 60. |
| Personal Driving History |
Not available if 3 or more moving violations in last 3 years, or if any DUI in last 60 months. |
Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 60 months. |
Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months. |
| Use of Tobacco or Tobacco Products |
No tobacco use in the past 36 months. |
No tobacco use in the last 12 months. |
No tobacco use in the last 12 months. |
| History of Cancer |
Depending on company, only available on certain types of skin cancer. |
Only available on certain types of skin cancer. |
Available depending on type and duration of cancer. |
| Cholesteral Readings |
Levels may not exceed 240. |
Levels may not exceed 250. |
Levels may not exceed 280. |
| CHOL/HDL Ratio |
May not exceed 5.0. (Transamerica 4.0) |
May not exceed 6.5. |
May not exceed 7.5. |
| Substance or Alcohol Abuse |
No history of substance or alcohol abuse. |
No abuse in past 10 years. |
No abuse in past 7 years. |
| Aviation |
Commercial airline pilots accepted. Private pilots - may qualify with aviation exclusion. |
Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. |
Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. |
| Hazardous Activities (i.e. Skydiving, Hanggliding, Rock climbing, Scuba diving etc) |
Available only if no flat extra premium would be required. |
Available; however, may have flat extra. |
Available; however, may have flat extra. |
| Residency-Citizenship |
Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Greencard. |
Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Greencard. |
Must be a US resident for past 2 years and either a US citizen or have permanent Visa or Greencard. |
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Important:
note to visitors of
QuoteNavigator.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
QuoteNavigator.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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