Term Life Insurance Rating Class Estimator

Estimating Your Rating Class

The policy rating class is the risk category which an applicant qualifies for according to an insurance company's underwriting guidelines. The policy rating class will determine the premium rate for the policy. All guidelines vary by company.

The following questions will help us provide a more accurate quote by estimating your possible rating class. Please remember this will only provide an estimate. Your policy rating class will be determined by the insurance company through underwriting and may differ from our estimated class.

Once your quotes are displayed, you will be able to check your estimated rating class against specific company guidelines for the company you are interested in. Simply click on the "Do I Qualify" link in the Rating Class column.

You may also select your own rating class by using the following chart as a general guideline.

View General Underwriting Guidelines Chart

What is your current blood pressure level?
What is your current cholesterol level?
Are you currently being treated for hypertension or high cholesterol?
Have any of your parents or siblings been diagnosed with cancer or cardiovascular disease prior to age 60?
Have any of your parents or siblings died from cancer or cardiovascular disease prior to age 60?
Do you routinely travel outside the United States?
Do you participate in hazardous activities?
Do you participate in private aviation?
Have you been diagnosed with or received treatment for any of the following conditions? Cardiovascular disease Cancer Depression Sleep Apnea Asthma Diabetes Kidney Disease Liver Disease Mental or Nervous Disorder Alcohol/Drug Abuse or Dependency Crohn's disease