There is no way for you to know with any surety what health risk classification you may fall in until underwriting has fully been completed. The reason is that all life insurance companies will look at your health differently and underwrite your health differently. This is one way the life insurance companies stay competitive with each other.
During the underwriting process the selected insurance company will determine your health risk classification eligibility based on a variety of personal attributes including; age, family history, current and past health history, driving record, height, weight, lifestyle choices, avocation and tobacco usage. Final risk classifications usually fall within four categories: Preferred Plus, Preferred, Standard Plus and Standard.