Review Life Insurance Guidelines for Common Health Impairments

As you apply for life insurance, you will be asked to
Determine Your Health Class. The Life Insurance Health Impairment table is a general guide to some of the most common health impairments and how each relates to your underwriting class.

IntelliQuote gives you the ability to compare life insurance policies and life insurance rates. 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.*

Choose the Life Insurance Health Impairment table below that best applies to you. IntelliQuote does provide life insurance for smokers and nicotine users. However, smoking can have a direct impact on determining your health class and your resulting life insurance rates.

• 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.

  Determine Your Health Class 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.

• 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.

  Determine Your Health 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.

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 >>

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