Life Insurance Planning Considerations

March 11, 2015 by No Comments

Anyone who is applying for Life Insurance will be assessed for coverage, in order to determine an appropriate “Health Class” rating based on their current and past health. Among other things, insurance carriers will consider an individual’s: Height & Weight, Tobacco Use, Blood Pressure, Cholesterol, Driving Record, and Family History.

The most commonly used Health Classifications fall into Four Categories:

Preferred Plus Preferred Standard Plus

Standard