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Non-Smokers Health Class Impairment Table for Term Life Insurance

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) 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 Not Available Not Available Available
Vascular Disease Not Available Not Available Available

* Higher table class rates usually apply.