General Preferred Non-Tobacco Underwriting Guidelines

Written by Termland.com

Preferred Non-Smoker

General Life Insurance Underwriting Criteria*

Situational Requirements

  • Impairments** No personal history of disease or impairment that would affect mortality.
  • Blood Pressure Currently well controlled with or without treatment, with no readings in the past two years greater than146/90.
  • Family History No cardiovascular disease or cancer in either parent or siblings before age 60.
  • Driving History No more than 2 moving violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.
  • Tobacco Use No use of tobacco or nicotine-based products in last 24 months.
  • Cancer History Only available on certain types of skin cancer.
  • Cholesterol May not exceed 250 with or without treatment.
  • Chol/HDL Ratio May not exceed 6.0 with our without treatment.
  • Substance/Alcohol Abuse No abuse
  • Aviation Available only with exclusion rider
  • Avocation Available, however may have a flat extra fee
  • Residency/Citizenship Must be U.S. resident for past 3 years and either U.S. citizen or have permanent Visa or Green Card
  • Build See General Preferred Chart Below

* This preferred underwriting chart is just a guide. Each life insurance company has its own unique underwriting guidelines that may be more or less favorable. To assure the best rate possible you should discuss your specific situation with an independent insurance professional.

** See Common Impairments Chart Below

Common Medical Impairments

Medical History Eligibility
Anxiety*
Arthritis*
Athsma*
Cardiovascular/Heart Disease (Mitral Valve Prolapse may qualify)no
Chronic Fatigue Syndrome*
Chronic Obstructive Pulmonary Diseaseno
Crohn’s Disease*
Depression*
Diabetesno
Elevated Liver Function Tests*
Epilepsy*
Fibromyalgia*
Gastric/Peptic Ulcers*
Hepatitis C (Treated and Cured)no
Hypertension*
Kidney Disease (kidney stones may qualify)no
Liver Diseaseno
Multiple Sclerosisno
Strokeno
Ulcerative Colitisno
Vascular Diseaseno

* May be eligible depending on the date of onset, duration, severity and response to treatment.

Build Chart*

HeightMale/Female
5’0″158
5’1″163
5’2″168
5’3″174
5’4″179
5’5″185
5’6″191
5’7″197
5’8″203
5’9″209
5’10”215
5’11”221
6’0″228
6’1″234
6’2″241
6’3″247
6’4″253
6’5″260
6’6″267
6’7″274
6’8″281
6’9″288
6’10”295
6’11”303

* This build chart is simply a guide. Each life insurance company has its own unique build chart which may be more or less favorable. To assure the best rate possible you should discuss your specific situation with an independent insurance professional.

About Term Land
About Term Land

We work with individuals across the nation to secure the best life insurance rates.

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