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.

If you want to estimate your health class yourself, 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.
Sub-Standard	Top 100%	Poor health or obese; if insurable, your premium could be several times more than standard.