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Rate Class: example from actual company

Height and Weight Chart
Preferred Plus			Preferred & Preferred Smoker		Standard Smoker & Non-Smoker
MINIMUM	MAXIMUM		MINIMUM	MAXIMUM	MINIMUM	MAXIMUM
Male & Female	Male	Female	Male & Female		Male & Female
90 93 96 98 101 104 107 110 113 117 121 124 129 134 139 144 149 155 161 167 173	139 143 147 152 157 162 166 171 177 181 185 188 192 196 200 207 215 221 230 238 246	124 128 132 137 142 147 151 156 162 166 170 173 177 181 185 192 200 206 215 223 231	90 93 96 98 101 104 107 110 113 117 121 124 129 134 139 144 149 155 161 167 173	145 149 154 159 164 169 174 179 185 189 193 197 201 205 209 216 225 231 240 249 257	78 81 84 86 90 93 96 98 101 104 107 110 113 116 120 124 127 131 134 137 141	184 188 191 195 201 205 212 218 223 229 234 240 247 253 260 267 274 282 286 293 301

Height

4'10"
4'11"
5'0"
5'1"
5'2"
5'3"
5'4"
5'5"
5'6"
5'7"
5'8"
5'9"
5'10"
5'11"
6'0"
6'1"
6'2"
6'3"
6'4"
6'5"
6'6"

Preferred Plus

Must not have used any tobacco or nicotine based products in the last 36 months. (Includes "patches" and "nicotine gum") No death or diagnosis among parents or siblings from cardiovascular disease, stroke, or cancer before age 60. Blood pressure consistently under 140/90 for ages under 51 and consistently under 150/90 for ages over 50 and not under treatment for blood pressure. Cholesterol less than 220 and Cholesterol/HDL ratio less than 5.0 and the proposed insured must not be under treatment for cholesterol. Must not be substandard for any reason. Must not have personal medical history of cardiovascular disease, stroke, diabetes, internal cancer or melanoma. Must not have history of drug or alcohol dependency in last ten years. Must not have DUI, reckless driving, suspended license or multiple accidents in the last five years; and must not have more than one moving violation in the last three years. Weight must be within range shown in Height and Weight Chart.

Preferred

Must not have used any tobacco or nicotine based products in the last 36 months. (Includes "patches" and "nicotine gum") No death among parents from cardiovascular disease, stroke or cancer before age 60. Blood pressure within the last two years, whether treated or untreated, 140/90 or under for ages under 51 and 150/90 for ages over 50. Treated Blood Pressure allowed if controlled for the last 2 years.. Cholesterol within the last 2 years, whether treated or untreated, 240 or less and Cholesterol/HDL ratio 6.0 or less. Treated Cholesterol allowed if controlled for the last two years. Must not be substandard for any reason other than flat extras for avocation and aviation. Must not have personal medical history of cardiovascular disease, stroke, diabetes, internal cancer or melanoma. Must not have history of drug or alcohol dependency in the last ten years. Must not have DUI, reckless driving, suspended license or multiple accidents in the last five years; and must not have more than three moving violations in the last three years. Weight must be within range shown in the Height and Weight Chart.

Preferred Smoker

In addition to Preferred Underwriting Guidelines listed above, cigarette use must not exceed 20 cigarettes a day.