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Understand how health affects term life insurance

A quick look at qualifying for term life 

Qualifying for term insurance is based on health and health can even affect the rates so it's important to understand the underwriting process.  Let's take a look at term life health classes, the underwriting process, and options available if health is an issue.  First, the health classes.

When you input your information into the term life insurance quote generator, one entry you will notice is the "Health Class".  The other information is pretty self-explanatory but Health Class probably needs some further explanation especially since it can affect your pricing.  

As with all things term insurance, we have simplified this entry during the quoting process to four categories:  Best Class, Preferred, Preferred Plus and Standard.  As we discussed in the "Understanding your term life quote" section, it's probably best to be conservative but here are some guidelines for the four classes below.  Keep in mind that these are just guidelines and the carrier's underwriter will make the final determination of eligibility and assigned health class.  Smoking and height/weight will also separately factored into their decision.  Each carrier's requirements differ so these guidelines may not apply to a specific carrier/plan.

Underwriting Criteria Preferred Plus Preferred Regular / Regular Plus / Standard
Health & Medical History and Physical/Mental Impairments No health impairments allowed. No personal history of cardiovascular disease or diabetes. No health impairments allowed. No personal history of cardiovascular disease or diabetes. Some health impairments allowed. Can have personal history of certain cardiovascular diseases or diabetes.
Blood Pressure No current or past history of blood pressure treatment. Current and average readings in the past two years not greater than 140/85. Currently well controlled with current and average readings in the past two years not greater than: 150/90 Currently well controlled with current and average readings in the past two years not greater than: 150/90 - age 45 and younger, 154/93 - ages 45-60, 158/95 - ages 61 and over.
Family Medical History No cardiovascular disease or cancer in either parent or siblings before age 60. No cardiovascular death of either parent before age 60. No cardiovascular death of not more than one parent before age 60.
Personal Driving History Not available if 3 or more moving violations in last 3 years, or if any DUI in last 60 months. Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 60 months. No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years.
Use of Tobacco or Tobacco Products No tobacco use in the past 36 months. No tobacco use in the last 12 months. No tobacco use in the last 12 months.
History of Cancer Depending on company, only available on certain types of skin cancer. Only available on certain types of skin cancer. Available depending on type and duration of cancer.
Cholesterol Readings Levels may not exceed 240. Levels may not exceed 250. Levels may not exceed 280.
CHOL/HDL Ratio May not exceed 5.0. (Transamerica 4.0) May not exceed 6.5. May not exceed 7.5.
Substance or Alcohol Abuse No history of substance or alcohol abuse. No abuse in past 10 years. No abuse in past 7 years.
Aviation Commercial airline pilots accepted. Private pilots - may qualify with aviation exclusion. Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience.
Hazardous Activities (i.e. Skydiving, Hang gliding, Rock climbing, Scuba diving etc) Available only if no flat extra premium would be required. Available; however, may have flat extra. Available; however, may have flat extra.
Residency-Citizenship Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Green card. Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Green card. Must be a US resident for past 2 years and either a US citizen or have permanent Visa or Green card.

There are plans for people who might not otherwise qualify called high risk term life or no medical life insurance.  They typically have smaller amounts of coverage and limited benefits for a period of time but require no medical exam.  If you think you can qualify, try the standard plans available through out term life insurance quoting engine, you can run an instant quote for no medical life insurance plans.

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DISCLAIMER   -   Information provided on this page is intended as a general overview.  Your situation regarding life insurance may be different and we strongly          
 recommend speaking with a license life insurance agent.  This information is solely the opinion of etermlifeinsurancequote.com and may not be suitable for you.