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Determining Your Health Class

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