Database

Know your health class to make comparison shopping easier

Comparison-shopping for life insurance works and is recommended. Term life insurance is a commodity product and not much differentiates between one policy and the next. At life insurance 2.0 we want you to compare companies, products and pricing and obtain as many quotes as necessary so you feel confident that you are getting a feel for the marketplace of products and range of pricing. Please be aware that getting multiple quotes or finding the lowest quote doesn’t necessarily mean that you’ve found the best company, plan or price for you; you must qualify for what you are seeing.

Determine your health class.

Preferred Plus/Best Class

• No health impairments
• No history of diabetes, cancer or heart disease
• No high blood pressure
• No Cardiovascular disease or cancer in either parent or siblings before age 60
• No tobacco use in 36-60 months (varies by company)
• Cholesterol under 220
• No substance abuse
• No hazardous activities

Preferred

• No health impairments
• No history of diabetes, cancer or heart disease
• May have controlled blood pressure
• No Cardiovascular or cancer death in either parent before age 60
• No tobacco use in last 12-36 months (varies by company)
• Cholesterol under 250
• No hazardous activities

Standard Plus

• Only minor health impairments
• May have currently controlled blood pressure
• No Cardiovascular death of more than one parent before age 60
• No tobacco use in last 12-24 months (varies by company)
• Cholesterol under 285
• No substance abuse in past 7 years
• No hazardous activities

Standard

• Some health impairments
• May have currently controlled blood pressure
• No cardiovascular death of a parent before age 61
• No tobacco use in last 12 months (varies by company)
• Cholesterol under 300
• No substance abuse in past 7 years
• No hazardous activities

Sub-Standard

• Poor health or obese
• Medications
• If insurable, premium could be several times more than standard