The Difference Between Life Insurance Health Risk Classes

Preferred Plus — This category is used for applicants in the up most excellent health and who are within height and weight guidelines with no negative underwriting results. Cholesterol readings are perfect, with no treatment for hypertension or other unfavorable health related factors. An individual must have no history of tobacco use in the past five years, limited risky avocations and no family history of cancer or heart disease death prior to age 70.

Preferred — This category is used for those applicants who are in very good health but may have one or two minor health issues from the Preferred Plus category. An individual may have medically controlled cholesterol levels or hypertension.  There must be no tobacco use for three years. Height and weight is also considered in determining your eligibility.

Standard Plus – This category is used for those applicants who may have slightly elevated cholesterol level or hypertension.  Height and weight is also considered in determination of this risk class.

Standard — This category is used for those applications that have major deviations from the Preferred classification. It can be caused by any disqualifications from the Preferred category that is substantial in nature and is usually ongoing and/or recent in occurrence. Height and weight is also considered in determining your eligibility.