Traditionally, life insurers have looked at risk assessment and product pricing on the basis of your age, gender, smoker/non-smoker status, and overall “standard” health. However, Preferred Underwriting takes into account your lifestyle and physical build, along with your personal and family health history.
Preferred Plus Non-Smoker is the most competitive classification for non-smoking clients who have an excellent lifestyle and medical records.
Preferred Non-Smoker is the classification for non-smoking clients who have a very good lifestyle and medical results
Standard Non-Smoker is the classification for clients who have not used tobacco or nicotine products in the last 12 months, and they have a good lifestyle and medical results. If you’ve smoked 12 cigars or less per year you may also qualify for this category.
Preferred Smoker is the best classification for clients who smoke cigars (more than 12 per year) and/or pipes but otherwise meet all of our preferred requirements.
Standard Smoker is the classification for clients who have used tobacco or nicotine products in the last 12 months and have a good lifestyle and medical results.
Why pay more than you have to?