| Preferred Plus | Top 20% | Excellent health/cholesterol ratios; athletic, no medications, no premature family diagnosis of heart disease or cancer. |
| Preferred | Top 40% | Good health, including weight; no medications, no premature family death of heart disease or cancer. |
| Standard Plus | Top 60% | Fair health, somewhat overweight; limited medications. |
| Standard | Top 80% | Fair health, overweight, medications. |
| Sub-Standard | Top 100% | Poor health or obese; if insurable, your premium could be several times more than standard. |