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.