Determine Your Life Insurance Health Class

Your age, current health, and past medical history are all evaluated as part of your application for life insurance. As you apply for life insurance, you will be asked to determine your health class. Most insurance companies use general insurance rate guidelines to determine your health class.

The health classifications are:

• Best class/Preferred Plus

• Preferred

• Standard Plus

• Standard

Your underwriting class will be based on your current health, medical history, and additional underwriting information. Depending on the nature, severity, and treatment of your impairment, higher class rates may apply.*

To determine your health class, refer to the tables below that apply to you:

• For NON-Tobacco and NON-Nicotine Users
  Refer to this table if you have not used cigarettes, pipes, chewing tobacco, snuff, nicotine patches or nicotine gum in the last 12 months.

  For More Information
  View the Non-Tobacco/Non-Nicotine Users Health Impairment Table (This table is a general guide to some of the most common health impairments and how each impairment relates to your underwriting class.

• For Tobacco and Nicotine Users
  Refer to this table if you have used cigarettes, pipes, chewing tobacco, snuff, nicotine patches or nicotine gum in the last 12 months.

  For More Information
  View the Tobacco/Nicotine Users Health Impairment Table (This table is a general guide to some of the most common health impairments and how each impairment relates to your underwriting class.

Calculate Your Health Class

Try our Health Class Estimator so that we can determine your proper underwriting class. Your final rates may vary based on additional information gathered during the underwriting process.
Get Your Health Class Estimate >>

Contact Us

If you have questions, please Contact Us toll-free at 1-800-963-6405. An IntelliQuote insurance agent can provide you with additional information and support to help you determine your health class.