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Insurance Information

Health Class Criteria for Smoker Life Insurance:

Receiving the Most Accurate Smoker Term Life Insurance Quote

Carefully review the health classes below in order to receive the most accurate smoker life insurance or smoker term life insurance quote. Based on the information you provide we'll search through the smoker term life insurance companies to find the one that's the best for you.

If you have any questions or concerns about smoker term life insurance companies, please call us toll free at 1-800-823-4852 from 8 a.m. to 5 p.m. Pacific Time, Monday through Friday.

Preferred Standard Plus Standard
  • No health impairments
  • No history of diabetes, cancer or heart disease
  • May have controlled blood pressure
  • No Cardiovascular or cancer death in either parent before age 60
  • Cholesterol under 250
  • No hazardous activities
  • Only minor health impairments
  • May have currently controlled blood pressure
  • No Cardiovascular death of more than one parent before age 60
  • Cholesterol under 285
  • No substance abuse in past 7 years
  • No hazardous activities
  • Some health impairments
  • May have currently controlled blood pressure
  • No cardiovascular death of a parent before age 61
  • Cholesterol under 300
  • no substance abuse in past 7 years
  • No hazardous activities
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