What determines the rating I will receive on my application?

In order to receive preferred rates, you must be in excellent overall health and lead a healthy lifestyle. Each Insurance company determines limits on weight to height, cholesterol, blood pressure, and other medical status. Family health history is also a factor used in qualifying for low preferred rates. Factors like Tobacco Use, Alcohol or Drug abuse, Hazardous activities and pre-existing medical conditions are considered together when determining your insurability.

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