Are You Eligible for The Lower Cost of
Preferred or Preferred Plus Rates?

If you're healthy and don't smoke and your family health history is good, you may be able to qualify for Preferred Plus or Preferred rates, which will give you extra discounts over normal rates. Only the actual underwriting process will be able to determine your true rating, since it will take into account family history, your personal medical history, and possibly results from medical tests. But the charts below can give you a general understanding of how the ratings work. Please keep in mind that the names of the ratings vary depending on the life insurance company, as do the ratings themselves. Ask us if you qualify for a Preferred Rating!