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

No use of tobacco or nicotine products within the past 12 months (The occasional cigars which might be standard with some companies)
Within height and weight limits, see the height/weight chart tab to the right
Citizen or residing in Canada as a landed immigrant for at least one year
Otherwise generally good health
No hazardous sports
No travel to countries with a watch advisory

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

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

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

No tobacco or nicotine products within the past 15 years
No more than 2 moving violations within the past 5 years and no “Driving Under the Influence” within the past 10 years
No hazardous occupations or avocations or travel to hazardous areas
No history of felony arrest or drug abuse. Ask about alcohol abuse history after 10 years – some might consider it
Citizen or residing in the country as a landed immigrant for at least one year
No family history (natural parent or sibling) of a diagnosis of coronary artery disease, internal cancer or melanoma, stroke or other life-threatening hereditary diseases prior to the age of 60
No history of major health conditions. No history of mental or nervous disorder
Blood pressure (without medication) between 125/75 and 145/90 depending on age
The cholesterol/HDL ratio (without medication) must be between 200/45 and 300/6 depending again on the age
Within 80% of the height and weight limits, see the height/weight chart tab to the right
Not working in a hazardous occupation, such as fishing or logging
Not currently in bankruptcy
No travel to countries on government watch lists
Do not participate in hazardous sports such as scuba diving
Not taking medications for any illnesses or awaiting treatment or having 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.