Life Insurance premiums are based on your health rating. This means that the younger and healthier you are, the better your rate will be. There are 4 basic categories. For now, you can follow this guide to estimate which is the right one for you. *Note, these descriptions are generally based on people who haven't used any form of tobacco for about 5 years.
Excellent Health, 2nd-best rates.
This category is similar to the Preferred Plus, but allows a bit more elbow room on things like blood pressure, cholesterol, and weight.
Above-Average Health.
You'll t in here if you're generally healthy, but don't quite meet the Preferred requirements.