Life Insurance Underwriting Guidelines

A handy table to help you estimate your potential rating class.


An Important Note

Underwrting guidelines vary by company. Our table shows general guidelines and isn't meant to be specific to any one company. Please use this table as a guide only. Your approval and final cost will be determined by the company you apply with.

If you'd like help with this table or help with a specific company's guidelines, please contact us.


  Excellent

(Preferred Plus)

Very Good

(Preferred)

Good

(Standard Plus)

Average

(Standard)

Alcohol / Substance Abuse None None in past 10 years None in past 7 years None in past 5 years
Aviation Allowed - will depend on type, experience, frequency, etc. Allowed - will depend on type, experience, frequency,etc. Allowed - will depend on type, experience, frequency,etc. Allowed - will depend on type, experience, frequency,etc.
Blood Pressure Controlled with or without treatment
Up to 140/85
Controlled with or without treatment
Up to 145/90
Controlled with or without treatment
Up to 150/92
Controlled with or without treatment
Up to 155/95
Cholesterol Level Controlled with or without treatment
Up to 275
Controlled with or without treatment
Up to 300
Controlled with or without treatment
Up to 300
Controlled with or without treatment
Up to 300
Cholesterol/HDL Ratio Up to 5.0 Up to 6.0 Up to 7.0 Over 7.0
Driving History No DUI, DWI or reckless driving in past 5 years

No more than 2 moving violations in the last 3 years
No DUI, DWI or reckless driving in past 5 years

No more than 2 moving violations in the last 3 years
No DUI, DWI or reckless driving in past 3 years

No more than 3 moving violations in the last 3 years
No DUI, DWI or reckless driving in past 2 years

No more than 4 moving violations in the last 3 years
Family History of Cardiovascular Disease No deaths in family prior to age 65 No deaths of parents prior to age 60 1 death of a parent prior to age 60 2 deaths of parents prior to age 60
Family History of Cancer
(See note below)
No deaths in family prior to age 65 No deaths of parents prior to age 60 1 death of a parent prior to age 60 2 deaths of parents prior to age 60
Foreign Travel No travel to "dangerous" areas of the world where the State Department has issued travel advisories
Hazardous Activities
(e.g. scuba diving below 75 feet, ultralight, skydiving, rock or ice climbing, etc.)
Available; may require extra premium Available; may require extra premium Available; may require extra premium Available; may require extra premium
Tobacco/Nicotine Use No use in the past 3 years No use in the past 2 years No use in the past 1 year No use in the past 1 year

Note: Guidelines for family history vary greatly by company and may not even apply to you if you're over 60. Check with us to find the best company for your situation.


Specific Medical Conditions


  Excellent

(Preferred Plus)

Very Good

(Preferred)

Good

(Standard Plus)

Average

(Standard)

Alzheimer's No No No No
Anxiety/Depression No yes Yes Yes
Asthma No Yes Yes Yes
Cancer No No No Yes
Heart Disease No No No Yes
Chronic Lung Disease No No Yes Yes
Chron's Disease No No Yes Yes
Diabetes No No No Yes
Epilepsy/Seizures No Yes Yes Yes
Headaches No Yes Yes Yes
Hepatitis A, B No Yes Yes Yes
Hepatitis C No No No Yes
Kidney/Liver Disease No No No Yes
Lupus No No No Yes
Multiple Sclerosis No No No Yes
Rheumatoid Arthritis No No No No
Sleep Apnea No Yes Yes Yes
Stroke/TIA No No No Yes
Tuberculosis No No No Yes

Note: The life insurance company will give all medical condtions listed above individual consideration. They will likely review medical records from your doctor in their evaluation. Check with us to find the best company for your situation.



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