Medical Underwriting is both a physical and lifestyle assessment of your profile made by the term life insurance company. Many factors are considered when the Insurance Company determines whether you fit the Preferred Plus, Preferred, or Standard classifications. The following tables, Height and Weight Guidelines and Medical Guidelines, offer basic guidelines as to how most companies will classify you (preferred plus, preferred, standard) based on medical and personal issues. If you do not meet one or more of the requirements listed in the preferred or preferred plus columns, Standard classification will be calculated for your quote.

A very important note to visitors of Ottawabroker.com: Some other term life insurance quotation services will quote ALL their potential customers at the Preferred Plus classification in order to present the lowest possible premiums.

The problem with this practice is that most individuals (about 80%) do not qualify for this classification and are not made aware of this until they are presented with higher rates after waiting several weeks to months of the term life insurance underwriting phase. Don't let this happen to you. At Ottawabroker.com we present you with the lowest priced premium quotes for your profile.