What is your life insurance rating?

If you're shopping for life insurance, you'll quickly discover that your premiums are based on a number of factors such as age, gender, medical history, driving record, and tobacco use. Your premium will also depend on the type of policy and the amount of coverage that you select. When you apply for coverage, your insurer will assign you to an underwriting class (i.e., preferred, standard non-smoker, standard smoker, and substandard) based on these factors.


We've designed this tool to help you determine which underwriting classification you're likely to be eligible for. However, since every insurance company has its own underwriting criteria, results of this tool should be used only as a guideline.


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