How to Determine Your Rating Class

Please refer to the chart below as a guideline for estimating your quote rating class. This chart represents a collective sample of underwriting guidelines and is not intended to be all-inclusive or a guarantee of coverage. Your final rating class will be determined through underwriting and all guidelines vary by company.
Preferred Plus
Preferred
Standard Plus
Standard
Medical History
See list below
Family History
No cardiovascular disease or cancer in either parent or siblings prior to age 60.
No death from cardiovascular disease or cancer in either parent or siblings prior to age 60.
Not more than one parent death from cardiovascular disease or cancer prior to age 60.
Not more than one parent death from cardiovascular disease or cancer prior to age 60.
Cholesterol / HDL Ratio
May not exceed 5.0
May not exceed 6.0
May not exceed 7.0
Levels above 7.0 may qualify
Cholesterol Level
May not exceed 220
May not exceed 240
May not exceed 260
Levels above 260 may qualify
Blood Pressure
No history of treatment. May not exceed 140/85.
Currently controlled. Current and historic readings over last two years may not exceed 145/88
Currently controlled. Current and historic readings over last two years may not exceed 150/92
Currently controlled. Current and historic readings over last two years may not exceed 150/92
Alcohol / Substance Abuse
No history.
No history in the past 10 years.
No history in the past 7 years.
No history in the past 7 years.
Driving History
No DUI, DWI or reckless driving in the past 5 years. No more than 1 moving violations in the last 3 years.
No DUI, DWI or reckless driving in the past 5 years. No more than 2 moving violations in the last 3 years.
No DUI, DWI or reckless driving in the past 3 years. No more than 3 moving violations in the last 3 years.
No DUI, DWI or reckless driving in the past 2 years. No more than 3 moving violations in the last 3 years.
Aviation
Commercial airline pilots may qualify. Not available for private pilots.
Commercial airline pilots may qualify. Private pilots may qaulify with an exclusion rider or extra premium.
Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium.
Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium.
Hazardous Avocation
Not available.
May be available with extra premium.
May be available with extra premium.
May be available with extra premium.
Residence and / or Citizenship
Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa.
Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa.
Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa.
Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa.
Military
No active duty.
May be on active duty.
May be on active duty.
May be on active duty.
Foreign Travel
No travel to countries under State Department Advisory. Varies by company.
No travel to countries under State Department Advisory. Varies by company.
No travel to countries under State Department Advisory. Varies by company.
No travel to countries under State Department Advisory. Varies by company.
Medical History
Condition
Preferred Plus
Preferred
Standard Plus
Standard
Alcohol / Drug Abuse Dependancy History
No
Yes
Yes
Yes
Anxiety
No
No
Yes
Yes
Arthritis (rheumatoid)
No
Yes
Yes
Yes
Asthma
No
Yes
Yes
Yes
Chronic Bronchitis
No
Yes
Yes
Yes
Cancer
No
No
No
Yes
Cardiovascular / Heart Disease
No
No
No
Yes
Cholesterol Treatment
No
Yes
Yes
Yes
Chronic Obstructive Pulmonary Disease
No
Yes
Yes
Yes
Crohn's Disease
No
No
No
Yes
Depression
No
No
Yes
Yes
Diabetes Type I *
No
No
No
No
Diabetes Type II
No
No
No
Yes
Emphysema
No
No
No
Yes
Epilepsy
No
No
Yes
Yes
Hypertension (High Blood Pressure)
No
Yes
Yes
Yes
Kidney / Liver Disease (chronic)
No
No
No
Yes
Melanoma
No
No
No
Yes
Multiple Sclerosis
No
No
No
Yes
Sleep Apnea
No
No
No
Yes
Stroke (including TIA)*
No
No
No
No
Ulcerative Colitis
No
No
No
Yes
Vascular Disease
No
No
No
Yes
* A substandard rating may be available for these medical conditions, depending on individual circumstances and insurance company guidelines. Please email or call 800-867-2404 for additional information or quotes.