Inexpensive Term Life Insurance

Inexpensive Term Life Insurance
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State of Residence
Date of Birth
Gender	Male Female
Coverage Amount	How Much Do I Need?
Term Period
For the most accurate quote, please tell us about your health
Health Class	What Class Am I In?
Height	ft in Weight lbs
Cigarette Use:

Determining Rate Class

When looking for inexpensive life insurance these tables offer general guidelines as to how most companies will classify you (best class/preferred plus, preferred, standard plus, standard) based on medical and personal issues. If you do not meet one or more of the requirements listed in the best class/preferred plus, preferred, or standard plus columns, please select "standard" when calculating your quotes. If you have a health impairment, higher table rates than standard may apply.

Category	Best Class / Preferred Plus	Preferred	Standard Plus	Standard
Physical / Mental Impairments and Medical History	No health impairments allowed. No personal history of cardiovascular disease or diabetes.	No health impairments allowed. No personal history of cardiovascular disease or diabetes.	Some minor health impairments allowed.	Some health impairments allowed. Can have personal history of certain medical conditions.
Blood Pressure	No current or past history of blood pressure treatment. Current and average readings in the past two years not greater than 140/85.	Currently well controlled with current and average readings in the past two years not greater than: 150/90	Currently well controlled with current and average readings in the past two years not greater than: 150/90 - age 60 and younger, 155/95 - age 61 and over.	Currently well controlled with current and average readings in the past two years not greater than: 155/95 - age 60 and younger, 160/95 - age 61 and over.
Family Medical History	No cardiovascular disease or cancer in either parent or siblings before age 61.	No cardiovascular death of either parent before age 61.	No more than one cardiovascular death in parents before age 61.	No more than one cardiovascular death in parents before age 61.
Personal Driving History	Not available if 2 or more moving violations in last 3 years, or if any DUI in last 60 months.	Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 60 months.	Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months.	Not available if 3 or more moving violations in the last 3 years except with flat extra, or if any DUI in last 24 months.
Use of Tobacco or Nicotine Products	No use in the past 36 months.	No use in the last 12-36 months (varies by company).	No use in the last 12-24 months (varies by company).	No use in the last 12 months.
History of Cancer	Depending on company, only available on certain types of skin cancer.	Only available on certain types of skin cancer.	Coverage may be available based on specific cancer history.	Coverage may be available based on specific cancer history.
Cholesterol Readings	Levels may not exceed 220.	Levels may not exceed 250.	Levels may not exceed 285.	Levels may not exceed 300.
Cholesterol / HDL Ratio	May not exceed 4.0-5.0 (varies by company).	May not exceed 6.0-6.5 (varies by company).	May not exceed 7.0 (varies by company).	May not exceed 7.5-8.0 (varies by company).
Substance or Alcohol Abuse	No history of substance or alcohol abuse.	No history of, or treatment for, abuse in past 10 years.	No history of, or treatment for, abuse in past 7 years.	No history of, or treatment for, abuse in past 7 years.
Aviation	Commercial airline pilots accepted. Private pilots - may qualify with aviation exclusion.	Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience.	Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience.	Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience.
Hazardous Activities (i.e. Sky diving, Hang gliding, Rock climbing, Scuba diving etc)	Available only if no flat extra premium would be required.	Available; however, may have flat extra.	Available; however, may have flat extra.	Available; however, may have flat extra.
Residency- Citizenship	Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Greencard.	Must be a US resident for past 3 years and either US citizen or have permanent Visa or Green card.	Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card.	Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card.

Height and Weight Table

This table can be used for both male and female insureds looking for inexpensive term life insurance. Once again they are general in nature, but do represent the allowable maximums for either best class/preferred plus, preferred, standard plus or standard rates from most companies. If your weight exceeds the maximum shown here, use "standard" rates in calculating your quote. The better your class, the more inexpensive you term life insurance will be.

Height	Best Class / Preferred Plus	Preferred	Standard Plus	Standard
5'0"	145	154	164	189
5'1"	149	159	169	193
5'2"	153	164	174	197
5'3"	158	169	179	204
5'4"	162	175	185	209
5'5"	166	180	190	215
5'6"	170	186	202	220
5'7"	176	192	202	225
5'8"	182	197	207	230
5'9"	188	203	213	235
5'10"	193	209	220	242
5'11"	199	215	226	251
6'0"	205	221	232	256
6'1"	211	227	239	263
6'2"	216	234	245	271
6'3"	222	240	252	279
6'4"	227	246	259	286
6'5"	233	253	266	293
6'6"	238	260	273	300
6'7"	243	266	280	307
6'8"	249	273	287	316
6'9"	254	280	294	325
6'10"	260	287	301	333
6'11"	265	294	309	341