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For a quote, tell us about the Proposed Insured...

Click 'Yes' if the Proposed Insured has used tobacco or nicotine in any form within the past 24 months.

Click "Preferred Best" Rate Class if the Proposed Insured:

  • Has no major medical conditions or impairments
  • Meets the "Preferred Best" Rate Class Build Table criteria
  • Has not used Tobacco in the past 24 months
  • Did not have a parent or sibling that died from cancer, diabetes or heart disease before the age of 60
  • Does not engage in motor racing, mountain, rock or ice climbing, cave exploration, hang gliding, scuba, sky diving or aviation (other than as a passenger)

Click "Preferred" Rate Class if the Proposed Insured:

  • Is not on medication for any major medical conditions or impairments
  • Meets the "Preferred" Rate Class Build Table criteria
  • Has not used Tobacco in the past 24 months

Click "Standard" Rate Class if the Proposed Insured:

  • Does not qualify for either "Preferred Best" or "Preferred" classes
  • May have a single mild/borderline medical condition
  • Meets the "Standard" Rate Class Build Table criteria
  • May be a tobacco/nicotine user

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Here is your amended quote... Here is your quote...

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