Term Life Insurance Rating Class Estimator

The rating class is the risk category you qualify for according to a life insurance company's underwriting guidelines. The rating class will determine the premium rate for the policy. Each life insurance company has its own rating class categories and underwriting guidelines for each. These guidelines vary by company.

The following questions will help us provide a more accurate quote by estimating your potential rating class. Please remember this will only provide an estimate. Your rating class will be determined by the insurance company through underwriting and may differ from our estimated class.

Our licensed Insurance Professionals can also help determine your potential rating class. Please contact us if you would like to speak with a representative.

You may also select your own rating class by using the following chart as a general guideline. View General Underwriting Guidelines Chart


What is your current blood pressure level?
What is your current cholesterol level?
Are you currently being treated for hypertension or high cholesterol?
Have any of your parents or siblings been diagnosed with cancer or cardiovascular disease prior to age 60?
Have any of your parents or siblings died from cancer or cardiovascular disease prior to age 60?
Do you routinely travel outside the United States?
Do you participate in hazardous activities?
Do you participate in private aviation?
Have you been diagnosed with or received treatment for any of the following conditions?

  • Alcohol/Drug Abuse or Dependency
  • Asthma
  • Cancer
  • Cardiovascular disease
  • Crohn's Disease
  • Depression
  • Diabetes
  • Kidney Disease
  • Liver Disease
  • Mental or Nervous Disorder
  • Sleep Apnea

If you are viewing this page in a popup, you may close it and change your rating class on the quote questionnaire to the class specified above. Otherwise you can Get a Term Life Insurance Quote and use the class specified above as your estimated rating class.