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Simply fill out the basic details above to get instant life insurance quotes. Follow our guide below to learn how to get the most accurate quote.

Get Accurate Quotes

Choosing the wrong health class is the 1st mistake most shoppers make. Our guide below will help you find your health class based on typical underwriting guidelines.  Selecting the correct health class is important because your approved rate will be based off your health & lifestyle.

Select Preferred Plus if you meet the following:
  • Alcohol/Drug Hx: No abuse
  • Blood Pressure: Typical ranges of readings: 135/80 – 140/85
  • Cholesterol: 120-300. Ratio may not exceed 4.5
  • Family Hx: No cardiovascular disease or cancer in either parent or sibling before age 60
  • Medical Hx: No personal hx of disease or impairment that would affect mortality
  • Driving Hx: No more than 2 moving violations in past 3 years. No DUI in last 5 years
  • Cancer: Only available on certain types of skin cancer
  • BMI (Height Weight Ratio): Between 18-28
Select Preferred if you meet the following:
  • Alcohol/Drug Hx: No abuse in the past 10 years.
  • Blood Pressure: Typical ranges include: 140/90 – 150/90 (higher for seniors)
  • Cholesterol: 120-300. Ratio may not exceed 5.5 – 6.0.
  • Family Hx: No cardiovascular disease or cancer death in either parent or sibling before age 60.
  • Medical Hx: No personal hx of disease or impairment that would affect mortality.
  • Driving Hx: No more than 2 moving violations in past 3 years. No DUI in last 5 years.
  • Cancer: Only available on certain types of skin cancer.
  • BMI (Height Weight Ratio): Between 27-34
Select Regular Plus (aka Standard Plus) if you meet the following:
  • Alcohol/Drug Hx: No abuse in the past 7 years.
  • Blood Pressure: Typical ranges include: 145/90 – 152/92
  • Cholesterol: Ratio may not exceed 6.0 – 7.0 with 300 total.
  • Family Hx: No cardiovascular or cancer death of more than one parent before age 60.
  • Medical Hx: Can have personal history of certain diseases or impairments.
  • Driving Hx: No more than 3 moving violations in past 3 years. No DUI in last 3 years.
  • Cancer: Available depending on type and date of onset of cancer.
  • BMI (Height Weight Ratio): Usually less than 35
Select Regular (aka Standard) if you meet the following:
  • Alcohol/Drug Hx: No abuse in the past 7 years.
  • Blood Pressure: High Blood Pressure allowed. Treatment/Medications usually allowed
  • Cholesterol: 120-300. Ratio may not exceed 8.0.
  • Family Hx: Family history is allowed.
  • Medical Hx: Can have personal history of certain diseases or impairments.
  • Driving Hx: No more than 4 moving violations in past 3 years. No DUI in last 2 years.
  • Cancer: Available depending on type and date of onset of cancer.
  • BMI (Height Weight Ratio): Usually between 35-38

Don’t Want an Exam? No Problem!

No Medical Exam

Life insurance without a medical exam is possible. Get your policy issued faster and with less hassles.

Key Tips

Choose $500,000 or less for your coverage amount. This is the maximum amount for most No Exam policies.