What is your health class?

Here is a rough guide to start the online quoting process:

Preferred Plus Top 20% Excellent health/cholesterol ratios; athletic, no medications,
no premature family diagnosis of heart disease or cancer.
Preferred Top 40% Good health, including weight; no medications,
no premature family death of heart disease or cancer.
Standard Plus Top 60% Fair health, somewhat overweight; limited medications.
Standard Top 80% Fair health, overweight, medications.

No two companies use the same underwriting guidelines. So, it is important that you choose a company whose guidelines provide you the most favorable treatment. For instance, one company may have a cheaper rate, but you may not qualify for it because your cholesterol ratio is outside their guideline.

It is important to choose a company, not with the lowest overall rates, but with the lowest rate for which you qualify. Ask your independent agent for assistance in choosing the best company.

Click to return.

We have made updates to our Privacy PolicyPrivacy Policy to reflect the implementation of the General Data Protection Regulation.