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These are only general guidelines for determining your health class. Because each insurance carrier uses different rating systems to evaluate your risk, you are likely to find differences among the health class carriers may assign to you. If you want individualized help to determine the best insurance provider for your particular circumstance, please call one of our PivotCare Team members toll-free at 1-877-757-4868. They will be able to work with you individually to find best life insurance option for you.
|
Preferred Plus |
Preferred |
Standard Plus |
Standard |
Preferred Smoking |
Standard Smoking |
| Blood Pressure |
140/90 W/O medication |
140/90 W/medication 150/90 W/O medication |
145/90 W/medication |
150/90 W/medication 155/95 W/O medication |
140/90 W/medication 150/90 W/O medication |
150/90 W/medication 155/95 W/O medication |
| Cholesterol |
230 and ratio under 5.0 No medication allowed |
250 and ratio under 6.0 Medication allowed |
275 and ratio under 7.5 Medication allowed |
300 and ratio under 8.0 Medication allowed |
250 and ratio under 6.0 Medication allowed |
300 and ratio under 8.0 Medication allowed |
| Immediate Family (Parents/Siblings) Cancer History |
No diagnosis in family prior to age 60 |
No death in family prior to age 60 |
No death in family prior to age 60 |
Not a concern |
No death in family prior to age 60 |
Not a concern |
| Tobacco Use |
No use in the past 5 years |
No use in the past 3 years |
No use in the past 3 years |
No use in the past year |
Used in the past year |
Used in the past year |
| Driving Violations |
No more than 2 moving violations in the past 3 years |
No more than 2 moving violations in the past 2 years |
No more than 2 moving violations in the past year |
No more than 2 moving violations in the past year |
No more than 2 moving violations in the past year |
No more than 2 moving violations in the past year |
| D.U.I. |
No D.U.I convictions in the past 5 years |
No D.U.I. convictions in the past 5 years |
No D.U.I. convictions in the past 2 years |
No D.U.I. convictions in the past 2 years |
No D.U.I. convictions in the past 5 years |
No D.U.I. convictions in the past 2 years |