Determining your health class
This chart will help you identify which rate class you may obtain based on
your specific health information. This is a general guide only. Each company
has its own underwriting guidelines. Please call MEG toll free at 1(877)
583-3955 and we will help you identify which rate class and insurance
company best suites you.
Height and Weight
Chart (Male and Female)
IMPORTANT: Tobacco
and nicotine users Please
Click here
|
Category
|
Preferred
Best Non-Smoker
|
Preferred
Non- Smoker
|
Standard
Plus Non-Smoker
|
Standard
Non-Smoker
|
| Physical
/ Mental Impairments and Medical History |
NO
history of heart, stroke, diabetes, cancer,
respiratory, circulatory, anxiety, depression,
sleep apnea, or any other internal problems. |
NO
history of heart, stroke, diabetes, cancer,
respiratory, circulatory, anxiety, depression,
sleep apnea, or any other internal problems. |
Some
minor history of heart, stroke, diabetes, cancer,
respiratory, circulatory, anxiety, depression,
sleep apnea, or any other internal problems. |
Some
minor history of heart, stroke, diabetes, cancer,
respiratory, circulatory, anxiety, depression,
sleep apnea, or any other internal problems. |
| Use
of Tobacco or Nicotine Products |
No use within
last 60 months. |
No
use within last 36 months. |
No use within
last 12 months. |
No use within
last 12 months. |
| Blood
Pressure |
140/80 or less.
No current treatment. Prior treatment OK, if
2+ years |
Current or past
treatment OK. 145/90 |
Current or past
treatment OK. 152/90 |
Current or past
treatment OK. 156/92 |
| Cholesterols
Readings and Ratio |
May not exceed
220 or ratio of 5.0, with or without treatment. |
May not exceed
250 or ratio of 6.0, with or without treatment |
May not exceed
280 or ratio of 7.0, with or without treatment |
May not exceed
300 or ratio of 8.0, with or without treatment |
| Cancer |
Only
some skin cancers |
Only
some skin cancers |
Depends
on type and date of onset |
Depends
on type and date of onset. |
| Family
Medical History |
No cardiovascular
disease or cancer in either parent or siblings
before age 60 |
No cardiovascular
or cancer death in either parent. |
No cardiovascular
or cancer death in both parents |
No cardiovascular
death in both parents. |
| Aviation |
Commercial airline
pilots accepted. Private pilots with exclusion. |
Commercial airline
pilots accepted. Private pilots with exclusion. |
Commercial airline
pilots accepted. Private pilots with exclusion
or flat extra. |
Commercial airline
pilots accepted. Private pilots with exclusion
or flat extra. |
| Hazardous
Activities (Sky Diving, Hang Gliding, Rock
Climbing, Scuba Diving, ect) |
Available if
no flat extra involved. |
May include
flat extra. |
May include
flat extra. |
May include
flat extra |
| Personal
Driving History |
No more than
2 moving violations in last 3 years and No
DWI, DUI, reckless driving, or suspension in
last 5 years. |
No more than
2 moving violations in last 3 years and No
DWI, DUI, reckless driving, or suspension in
last 5 years. |
No more than
3 moving violations in last 3 years and No
DWI,DUI, reckless driving, or suspension in
last 3 years. |
No more than
3 moving violations in last 3 years and No
DWI, DUI, reckless driving, or suspension in
last 3 years. |
| Substance
or Alcohol Abuse |
No abuse. |
No abuse. |
No abuse in
last 10 years. |
No abuse in
last 7 years. |
| Residency/Citizenship |
US
citizen, resident for 3 years, must hold permanent
Visa or Green Card. |
US citizen,
resident for 3 years, must hold permanent Visa
or Green Card. |
US citizen,
resident for 2 years, must hold permanent Visa
or Green Card. |
US citizen,
resident for 2 years, must hold permanent Visa
or Green Card. |
Height and Weight Chart (Male and Female)
The requirements for height and weight will vary
among insurance companies. The chart below should
be considered the maximum allowed. If your build
exceeds these ranges, please call MEG TOLL FREE
1-877-583-3955 for a personalized quote.
|
Height
|
Best
Class/ Preferred Plus
|
Preferred
|
Standard
Plus
|
Standard
|
|
5'
0"
|
144
|
158
|
166
|
172
|
|
5'
1"
|
148
|
163
|
172
|
178
|
|
5'
2"
|
153
|
168
|
175
|
183
|
|
5'
3"
|
158
|
174
|
182
|
190
|
|
5'
4"
|
163
|
179
|
188
|
195
|
|
5'
5"
|
168
|
185
|
194
|
202
|
|
5'
6"
|
174
|
191
|
200
|
208
|
|
5'
7"
|
179
|
197
|
206
|
215
|
|
5'
8"
|
185
|
203
|
212
|
221
|
|
5'
9"
|
190
|
209
|
219
|
228
|
|
5'
10"
|
196
|
215
|
226
|
234
|
|
5'
11"
|
201
|
221
|
231
|
241
|
|
6'
0"
|
207
|
228
|
240
|
249
|
|
6'
1"
|
213
|
234
|
245
|
255
|
|
6'
2"
|
219
|
241
|
253
|
263
|
|
6'
3"
|
225
|
247
|
259
|
269
|
|
6'
4"
|
230
|
253
|
265
|
276
|
|
6'
5"
|
237
|
260
|
272
|
283
|
|
6'
6"
|
243
|
267
|
280
|
291
|
|
6'
7"
|
249
|
274
|
287
|
299
|
Tobacco or Nicotine Use
All smokers and alternative tobacco users will pay
more for life insurance due to the increased risk
associated with tobacco use. Additionally, most insurers
require that former tobacco users be "tobacco
free" for at least 12 months (maybe longer)
to qualify for preferred non-tobacco rates. However,
there are opportunities for alternate tobacco users
to obtain non tobacco rates depending on the type
and frequency of usage. Occasional cigar users may
even qualify for preferred plus nonsmoker rates depending
on the circumstances. Please call MEG toll free
at 1-877-583-3955 for details.
Determining your Health Class for Tobacco and Nicotine Users
This chart will help you identify which rate class
you may obtain, based on your specific health information.
This is a general guide. Some alternate tobacco users
(cigars, pipe, chewing tobacco, snuff) may qualify
for non-tobacco rates. If you are a user of tobacco
products other than cigarettes see, opportunities
for alternate tobacco users. Please call
MEG TOLL FREE at 1-877-583-3955 to see if you
qualify.
Height
and Weight Chart (Male and Female)
|
Category
|
Preferred
Smoker
|
Standard
Smoker
|
| Physical
/ Mental Impairments and Medical History |
NO
ratable history of heart, stroke, diabetes,
cancer, respiratory, circulatory, anxiety,
depression, sleep apnea, or any other internal
problems. |
NO
ratable history of heart, stroke, diabetes,
cancer, respiratory, circulatory, anxiety,
depression, sleep apnea, or any other internal
problems. |
| Blood
Pressure |
Current
or past treatment OK. 152/90 |
Current
or past treatment OK. 156/92 |
| Cholesterols
Readings and Ratio |
May
not exceed 300 or ratio of 7.0, with or without
treatment |
May
not exceed ratio of 8.0, with or without treatment |
| Cancer |
Only
some skin cancers |
Depends
on type and date of onset. |
| Family
Medical History |
No
cardiovascular or cancer death in either parent. |
No
cardiovascular death in both parents. |
| Aviation |
Commercial
airline pilots accepted. Private pilots with
exclusion or flat extra. |
Commercial
airline pilots accepted. Private pilots with
exclusion or flat extra. |
| Hazardous
Activities (i.e. Sky diving, Hang gliding,
Rock climbing, Scuba diving etc) |
May
include flat extra. |
May
include flat extra |
Personal
Driving
History
|
No
more than 2 moving violations in last 3 years
and No DWI, DUI, reckless driving, or suspension
in last 5 years. |
No
more than 3 moving violations in last 3 years
and No DWI, DUI, reckless driving, or suspension
in last 3 years. |
| Substance
or Alcohol Abuse |
No abuse. |
No abuse in
last 7 years. |
| Residency/Citizenship |
US
citizen, resident for 3 years, must hold permanent
Visa or Green Card. |
US
citizen, resident for 2 years, must hold permanent
Visa or Green Card. |
Opportunities
for Alternate Tobacco Users
Some non-cigarette tobacco users (cigars, pipes,
chewing tobacco, snuff, nicotine patches, etc.) may
qualify for non tobacco rates depending on certain
conditions. There are several life insurance companies
that offer alternate tobacco users this special underwriting
concession. You may be able to save as much as 50%
off normal smoker rates. Please call MEG toll
free at 1(877) 583-3955 to determine if you
can qualify for one of these low non tobacco rate
opportunities.
Common
Health Impairments
The
table below provides general guidelines for some
of the most common health impairments and how each
impairment relates to your underwriting class.
Your underwriting class will be based on your current
health, medical history, and additional underwriting
information. Depending on the nature, severity,
and treatment of your impairment, higher rates
may apply. Underwriting requirements vary by company.
If you have any questions or if you have an impairment
not listed in the table, please
call MEG TOLL FREE at 1-877-583-3955 for
additional information.
|
Medical
History
|
Best
Class
|
Preferred
|
Standard
|
| Alcohol
/ Drug Abuse Dependency History |
|
|
|
| Arthritis (rheumatoid) |
|
|
|
| Asthma (requiring
treatment within past 2 years) |
|
|
|
| Bronchitis (chronic) |
|
|
|
| Cancer (except
certain basal cell skin types) |
|
|
|
| Cardiovascular
/ Heart Disease |
|
|
|
| Chronic
Obstructive Pulmonary Disease |
|
|
|
| Crohn's
Disease |
|
|
|
| Depression (requiring
treatment within past 2 years) |
|
|
|
| Diabetes (non-insulin
dependent) |
|
|
|
| Diabetes (insulin
dependent) |
|
|
|
| Emphysema |
|
|
|
| Epilepsy (seizures
within past 5 years) |
|
|
|
| Gastric
/ Peptic Ulcers (requiring treatment
within past 2 years) |
|
|
|
| Hyperlipidemia (treatment
for elevated cholesterol/lipids) |
|
|
|
| Hypertension (High
Blood Pressure) |
|
|
|
| Kidney
/ Liver Disease (chronic) |
|
|
|
| Melanoma |
|
|
|
| Mental
Illness |
|
|
|
| Multiple
Sclerosis |
|
|
|
| Stroke (including
TIA) |
|
|
|
| Ulcerative
Colitis |
|
|
|
| Vascular
Disease |
|
|
|
 Higher
table class rates usually apply
|
