Life Insurance Health Classes

To get a quick feel if you would qualify for these Preferred life insurance rates, see the following set of questions. If you go through the questions, and it suggests that you are Preferred Plus we suggest you still think in terms of Preferred and consider it a bonus if you qualify for Preferred Plus for life insurance as you do not know what the blood tests will reveal.

There are approximately 10% to 15% of the general population that can qualify for Preferred Plus insurance rates and an additional 30% to 40% qualifying for the Preferred insurance rates.

Regular – Can you answer “Yes” to all these questions?

  1. No use of tobacco or nicotine products within the past 12 months (Ask us about occasional cigar which might be standard with some companies).
  2. Within height and weight limits, see height/weight chart tab to the right.
  3. Citizen or residing in the country as a landed immigrant for at least one year.
  4. Otherwise generally good health
  5. No hazardous sports
  6. No travel to countries with a watch advisory

Preferred – Can you answer “Yes” to all these questions?

  1. No tobacco or nicotine products within the past 2 years
  2. No more than 3 moving violations within the past 3 years, no “Driving Under the Influence” within the past 5 years.
  3. No hazardous occupations or avocations or travel to hazardous areas.
  4. No history of felony arrest or drug abuse. Ask about alcohol abuse history after 5 years – some might consider it.
  5. Citizen or residing in the country as a landed immigrant for at least one year.
  6. No family history (natural parent or sibling) of a diagnosis of coronary artery disease, internal cancer or melanoma, stroke or other life threatening hereditary disease prior to the age of 60.
  7. No history or major health conditions. No history of mental or nervous disorder.
  8. Blood pressure (with or without medication) must not exceed 140/90.
  9. Total cholesterol (with or without medication) must not exceed 240 AND the cholesterol/HDL ratio must not exceed 6.0
  10. Not working in a hazardous occupation, such as fishing or logging.
  11. Not currently in bankruptcy.
  12. No travel to countries on government watch lists.
  13. Do not participate in hazardous sports such as scuba diving.
  14. Within 85% of the height and weight limits, see height/weight chart tab to the right.

Preferred Plus – Can you answer “Yes” to all these questions?

  1. No tobacco or nicotine products within the past 15 years.
  2. No more than 2 moving violations within the past 5 years and no “Driving Under the Influence” within the past 10 years.
  3. No hazardous occupations or avocations or travel to hazardous areas.
  4. No history of felony arrest or drug abuse. Ask about alcohol abuse history after 10 years – some might consider it.
  5. Citizen or residing in the country as a landed immigrant for at least one year.
  6. No family history (natural parent or sibling) of a diagnosis of coronary artery disease, internal cancer or melanoma, stroke or other life threatening hereditary disease prior to the age of 60.
  7. No history or major health conditions. No history of mental or nervous disorder.
  8. Blood pressure (without medication) between 125/75 and 145/90 depending on age.
  9. The cholesterol/HDL ratio (without medication) must be between 200/45 and 300/6 depending again on age
  10. Within 80% of the height and weight limits, see height/weight chart tab to the right.
  11. Not working in a hazardous occupation, such as fishing or logging
  12. Not currently in bankruptcy.
  13. No travel to countries on government watch lists.
  14. Do not participate in hazardous sports such as scuba diving.
  15. Not taking medications for any illnesses or awaiting treatment or have doctor appointments to investigate or treat anything of concern.
Height (inches) Preferred Plus (lbs) Preferred (lbs) Standard (lbs)
56 130 140 173
57 133 143 176
58 136 146 180
59 139 149 184
60 143 153 186
61 147 157 192
62 151 161 197
63 155 165 203
64 160 170 208
65 165 175 214
66 171 182 219
67 178 189 225
68 184 196 231
69 191 204 238
70 197 211 243
71 204 218 249
72 210 225 255
73 214 230 262
74 218 235 269
75 222 240 277
76 226 245 285
77 230 250 294
78 234 255 303
Height and weight chart is for illustration purposes only.

Every life insurance company has its own unique criteria for life insurance quotes. Many offer discounts for term insurance with a few offering discounts for universal life insurance. If you have medical challenges, let us help with your situation by gathering quotes from several companies and see what life insurance quotes we can get for you. Some companies may use a credit and debit system where positive lifestyles can overcome a negative hereditary or weight issues. With blood pressure and cholesterol we can check the exact requirements for you and select the best life insurance company for your situation.

Canadian insurance companies are offering affordable term life, whole life, and universal life insurance discounts for those who are in excellent health and lead a low risk lifestyle provided you are applying for a minimum amount of life insurance – usually $250,000 but it can be less for older people and those looking for permanent policies. The above questions are typical of those asked to determine which insurance quote they will give and can be used as a guideline. Of course it is assumed you have not been declined or rated by another insurance company or have a critical illness or terminal disease.

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All product names, trademarks, and trade names are the property of their respective owners. The Insurance Council (BC, AB, SK, MB), Financial Services Commission (ON), Chambre de la Sécurité Financière (QC), The Superintendent of Insurance (NB, NL, PE, NS) are the provincial and federal authorities that regulate, supervise and enforce standards for life insurance professionals.

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