General Guide to Life Inusrance Health Impairment Classifications

Review These Classifications

This general guide outlines some of the most common health impairments Life Insurance companies use to apply to your underwriting class. Your underwriting class will be based on your current health, medical history, and additional underwriting information. Depending upon the nature, severity, and treatment of your health impairment, higher rates may apply. Underwriting requirements vary by company. If you have any questions or if you have a health impairment not listed in this general guide, please Contact Us toll-free at 1-800-963-6405.

Non-Tobacco/Non-Nicotine Users Health Impairment Table

Medical History	Best Class	Preferred	Standard
Alcohol / Drug Abuse Dependency History	Not Available	Not Available	Available
Arthritis (rheumatoid)	Not Available	Available	Available
Asthma (requiring treatment within past 2 years), or other lung/respiratory disorders	Not Available	Available	Available
Bronchitis (chronic)	Not Available	Available	Available
Cancer (except certain basal cell skin types)	Not Available	Not Available	Available
Cardiovascular / Heart Disease	Not Available	Not Available	* Not Available
Chronic Obstructive Pulmonary Disease	Not Available	Not Available	Available
Crohn's Disease	Not Available	Not Available	Available
Depression (requiring treatment within past 2 years), anxiety or any other mental/nervous disorder	Not Available	Not Available	Available
Diabetes (non-insulin dependent)	Not Available	Not Available	Available
Diabetes (insulin dependent)	Not Available	Not Available	* Not Available
Emphysema	Not Available	Not Available	Available
Epilepsy (seizures or convulsions within past 5 years)	Not Available	Not Available	Available
Gastric / Peptic Ulcers (requiring treatment within past 2 years)	Not Available	Available	Available
Hyperlipidemia (treatment for elevated cholesterol/lipids)	Not Available	Available	Available
Hypertension (High Blood Pressure)	Not Available	Available	Available
Kidney / Liver Disease (chronic) or Lupus	Not Available	Not Available	Available
Melanoma	Not Available	Not Available	* Not Available
Mental Illness	Not Available	Not Available	Available
Multiple Sclerosis	Not Available	Not Available	Available
Stroke (including TIA)	Not Available	Not Available	* Not Available
Ulcerative Colitis/Ileitis	Not Available	Not Available	Available
Vascular Disease	Not Available	Not Available	Available

* Higher table class rates usually apply.

Get Instant Life Insurance

Need Advice?

Your Privacy is Assured

General Guide to Life Inusrance Health Impairment Classifications

Review These Classifications

Non-Tobacco/Non-Nicotine Users Health Impairment Table

Compare Rates.Save Time & Money

Contact Us

Compare Rates.
Save Time & Money