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This will help you determine which health class you will qualify for.

Preferred Plus Rates
  • No cancer or cardiovascular death of a parent before age 60.
  • Blood pressure 140/85 or better.
  • Cholesterol under 210 and HDL less than 5.0
  • No history of cancer, diabetes, heart disease, etc.
  • Maximum 2 moving violations past 3 years.
  • No record of DUI or reckless driving.
  • No use of tobacco products in past 3 years.
  • No history of alcohol or substance abuse.
Preferred Rates (Tobacco and Non Tobacco)
  • No cancer or cardiovascular death of a parent before age 60.
  • Blood pressure 150/90 or better.
  • Cholesterol under 240 and HDL less than 6.5
  • No history of cancer, diabetes, heart disease, etc.
  • Maximum 2 moving violations past 3 years.
  • No DUI or reckless driving for 5 years.
  • Non Tobacco - No use of tobacco products in past 3 years.
  • Tobacco - Tobacco use acceptable.
  • No history of alcohol or substance abuse.
Standard Rates (Tobacco and Non Tobacco)
  • Not more than 1 cancer or cardiovascular death of a parent before age 60.
  • Blood pressure 155/95 or better.
  • Cholesterol under 280 and HDL less than 8.0
  • Some major health conditions allowed.
  • Maximum 2 moving violations past 3 years.
  • Non Tobacco -No use of tobacco products in past 3 years.
  • Tobacco - Tobacco use acceptable.
  • No alcohol or substance abuse for 7 years.
Height and Weight Table
  • These are the maximum permissible weights to qualify for each rate class.
  • Table is used for males and females.
HeightPreferred
Plus
PreferredStandard
5'0"145154189
5'1"149159193
5'2"153164197
5'3"158169204
5'4"162175209
5'5"166180215
5'6"170186220
5'7"176192225
5'8"182197230
5'9"188203235
5'10"193209242
5'11"199215251
6'0"205221256
6'1"211227263
6'2"216234271
6'3"222240279
6'4"227246286
6'5"233253293
6'6"238260300
6'7"243266307
6'8"249273316
6'9"254280325
6'10"260287333
6'11"265294341
Special Risk
Insurancebook.com specializes in helping our clients with medical impairments receive the best rates and policies with the highest rated insurance companies. We have twenty-two years experience in this market and will be able to help you with any questions or concerns.
The first step is to complete the attached form and we will be able to get you a free quote based on your health history within twenty-four hours. Please call with questions 866-BAY-PLAN (229-7526) or email us at insurancebook@insurancebook.com.
* subject to change