Health Classes Defined

Canadian Insurance Companies - Health Class Ratings

Canadian life insurance companies are offering cheap life insurance quotes or discounts for those who are in excellent health and lead a low risk life style. They are referred to as preferred plus life insurance rates and preferred life insurance rates with about 10% to 15% qualifying for preferred plus insurance rates and an additional 30% to 40% qualifying for the preferred insurance rates. Let us help you determine which life insurance rate you would qualify for when you get a life insurance quote from our site.

However, if you want to get a quick feel if you would qualify for these preferred life insurance rates, see the following set of questions. If you go through the questions, and it suggests that you are “preferred plus” we suggest you still think in terms of preferred and consider it a bonus if you get a preferred plus life insurance quote as you do not know what the blood tests will reveal.

Every life insurance company has its own unique criteria for life insurance quotes. Many offer discounts for term insurance with a few offering discounts for universal life insurance. The following questions are typical of those asked to determine which insurance quote they will give and can be used as a guideline. Of course it is assumed you have not been declined or rated by another insurance company or have a critical illness or terminal disease. If you have medical challenges, let us broker your situation to several companies and see what life insurance quotes we can get for you.

If you get a life insurance quote and have questions about whether you would qualify please Contact Us and we will call you to discuss your questions. Also, one Canadian life insurance company has a credit and debit system where positive lifestyles can overcome a negative hereditary or weight issues. With blood pressure and cholesterol we can check the exact requirements for you and select the best Canadian life insurance company for your situation.

Preferred Plus - Can you answer "yes" to all these questions

1	No tobacco or nicotine products within the past 15 years.
2	No more than 2 moving violations within the past 3 years and no "Driving Under the Influence" within the past 5 years.
3	No hazardous occupations or avocations or travel to hazardous areas.
4	No history of felony arrest or drug abuse. Ask about alcohol abuse history after 10 years - some might consider it. .
5	Citizen or residing in the country as a landed immigrant for at least one year.
6	No family history (natural parent or sibling) of a DIAGNOSIS of coronary artery disease, internal cancer or melanoma, stroke or other life threatening hereditary disease prior to the age of 60.
7	No history or major health conditions. No history of mental or nervous disorder.
8	Blood pressure (without medication) between 125/75 and 145/90 depending on age.
9	The cholesterol/HDL ratio (without medication) must be between 200/45 and 300/6 depending again on age
10	Within height and weight limits, see chart at bottom of this page.
11	Not taking medications for any illnesses or awaiting treatment or have doctor appointments to investigate or treat anything of concern. Get a Life Insurance Quote with a Preferred Plus Health Rating Now – Choose Preferred Plus!

Preferred - Can you answer "yes" to all these questions

1	No tobacco or nicotine products within the past 2 years
2	No more than 3 moving violations within the past 3 years, no "Driving Under the Influence" within the past 5 years.
3	No hazardous occupations or avocations or travel to hazardous areas.
4	No history of felony arrest or drug abuse. Ask about alcohol abuse history after 5 years - some might consider it.
5	Citizen or residing in the country as a landed immigrant for at least one year.
6	No family history (natural parent or sibling) of a DIAGNOSIS of coronary artery disease, internal cancer or melanoma, stroke or other life threatening hereditary disease prior to the age of 60.
7	No history or major health conditions. No history of mental or nervous disorder.
8	Blood pressure (with or without medication) must not exceed 140/90.
9	Total cholesterol (with or without medication) must not exceed 240 AND the cholesterol/HDL ratio must not exceed 6.0
10	Within height and weight limits, see chart at bottom of this page. Get a Life Insurance Quote with a Preferred Health Rating Now – Choose Preferred!

Regular Plus - few Canadian companies offer this - use if you just missed qualifying for preferred.

Regular - Can you answer "yes" to all these questions

1	No use of tobacco or nicotine products within the past 12 months (Ask about occasional cigar us which might be standard with some companies).
2	Within height and weight limits, see chart at bottom of this page.
3	Citizen or residing in the country as a landed immigrant for at least one year.
4	Otherwise generally good health
5	No hazardous sports
6	No travel to countries with a watch advisory
7
	Get a Quote with a Regular Health Rating Now – Choose Regular!

	Example of Height and Weight Table – Maximum Weight *
Height	Weight in Lbs.
Inches	Preferred Plus	Preferred	Standard
56	130	140	173
57	133	143	176
58	136	146	180
59	139	149	184
60	143	153	186
61	147	157	192
62	151	161	197
63	155	165	203
64	160	170	208
65	165	175	214
66	171	182	219
67	178	189	225
68	184	196	231
69	191	204	238
70	197	211	243
71	204	218	249
72	210	225	255
73	214	230	262
74	218	235	269
75	222	240	277
76	226	245	285
77	230	250	294
78	234	255	303

* This is an example, if you are outside these limits let us broker your situation and see what offers we can get.

IDC - Insurance Direct Canada Inc.

Term Insurance for Canadians.

Health Classes Defined

Canadian Insurance Companies - Health Class Ratings