This table provides a general sampling of general underwriting guidelines
for the term life insurance companies that 1stQuote.com works with, and is
not intended to be all-inclusive or a guarantee of life insurance coverage.
This data is offered solely to provide a guideline for those individuals
considering the purchase of life insurance. Any Final Rating Class can only
be determined through each individual companies underwriting process.
| Family History |
No cardiovascular disease or cancer
in either parent or siblings prior to age 60. |
No death from cardiovascular disease
or cancer in either parent or siblings prior to age 60. |
Not more than one parent death from
cardiovascular disease or cancer prior to age 60. |
Not more than one parent death from
cardiovascular disease or cancer prior to age 60. |
| Cholesterol / HDL Ratio |
May not exceed 5.0 |
May not exceed 6.0 |
May not exceed 7.0 |
May not exceed 8.0 |
| Cholesterol Level |
May not exceed 220 |
May not exceed 250 |
May not exceed 280 |
May not exceed 300 |
| Blood Pressure |
No history of treatment. May not exceed
140/85. |
Currently controlled. Current and historic
readings over last two years may not exceed 150/90 |
Currently controlled. Current and historic
readings over last two years may not exceed 150/90 |
Currently controlled. Current and historic
readings over last two years may not exceed 150/95 |
| Alcohol / Substance Abuse |
No history. |
No history in the past 10 years. |
No history in the past 7 years. |
No history in the past 7 years. |
| Driving History |
No DUI, DWI or reckless driving in
the past 5 years. No more than 2 moving violations in the last 3
years. |
No DUI, DWI or reckless driving in
the past 5 years. No more than 3 moving violations in the last 3
years. |
No DUI, DWI or reckless driving in
the past 3 years. No more than 3 moving violations in the last 3
years. |
No DUI, DWI or reckless driving in
the past 2 years. No more than 3 moving violations in the last 3
years. |
| Aviation |
Commercial airline pilots are allowed.
Private pilots may be allowed with an exclusion rider. |
Commercial airline pilots are allowed.
Private pilots may be allowed with an exclusion rider or extra premium. |
Commercial airline pilots are allowed.
Private pilots may be allowed with an exclusion rider or extra premium. |
Commercial airline pilots are allowed.
Private pilots may be allowed with an exclusion rider or extra premium. |
| Hazardous Avocation |
Not available. |
May be available with extra premium. |
May be available with extra premium. |
May be available with extra premium. |
| Residence and / or Citizenship |
Must be a U.S. resident for the past
3 years. Must be a US citizen or have permanent Visa. |
Must be a U.S. resident for the past
3 years. Must be a US citizen or have permanent Visa. |
Must be a U.S. resident for the past
3 years. Must be a US citizen or have permanent Visa. |
Must be a U.S. resident for the past
3 years. Must be a US citizen or have permanent Visa. |
| Military |
No active duty. |
May be on active duty. |
May be on active duty. |
May be on active duty. |
| Foreign Travel |
No travel to countries under State
Department Advisory. |
No travel to countries under State
Department Advisory. |
No travel to countries under State
Department Advisory. |
No travel to countries under State
Department Advisory. |
