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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:
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:
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.
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.
For assistance call 1-800-963-6405 (Toll Free) 7:30 a.m. to 5:30 p.m. Monday through Thursday and 7:30 a.m. to 4:30 p.m. Friday Pacific time.
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