This tool is designed for educational and informational purposes only. It provides an unofficial estimate of your potential life insurance health classification and the types of products you may qualify for based on the information you provide.
Evaluate Health Class & Product Eligibility
*Disclaimer: This tool provides general estimates based on universal field underwriting guidelines. Final risk classification and product eligibility are subject to formal carrier review, MIB, pharmacy checks, and criminal background checks.
Not an Offer of Insurance: The results generated by this tool do not constitute an offer of coverage, a processed application, or a guaranteed premium rate. A formal offer of insurance can only be made after a full underwriting review by a licensed insurance carrier.
The Underwriting Process: Final eligibility and actual rates are determined by insurance company underwriters. This process typically includes a review of your Medical Information Bureau (MIB) report, Pharmacy/Prescription records, and Motor Vehicle Reports (MVR). In some cases, a brief medical exam may be required.
Accuracy of Information: Your estimate is only as accurate as the information entered. To get the most realistic view of your options, please ensure all health, lifestyle, and background details are selected accurately.
Not Medical Advice: This tool is not a medical diagnostic tool. The health classifications used are industry-specific terms for insurance pricing and do not reflect a clinical medical diagnosis.
No Obligation: Using this estimator is free and does not place you under any obligation to purchase insurance.
By using this tool, you acknowledge that you understand these estimates are subject to change based on a formal insurance company review.
