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Describe Your Health

Regular & Preferred

You can click on Regular or Preferred. In addition, you can check Plus or you can leave it unchecked.

This combination of values results in four possible classes of health. These are P+, Pf, R+, and Rg. Those short form indicators will be displayed next to premiums to help you determine the underwriting (health and lifestyle) criteria that Compulife believes your client will need to satisfy in order to qualify for the premium shown.

P+ - indicates a rate for an individual in very preferred (preferred plus) health. A company offering a P+ premium also offers a preferred (Pf) and a regular (Rg) health premium. Pf premiums are less difficult to qualify for. Rg premiums are much less difficult to qualify for.

Pf - indicates a rate for an individual in preferred health. A company offering a Pf premium also offers a regular (Rg) health premium. Rg premiums are less difficult to qualify for.

R+ - indicates a rate for an individual in somewhat better health than regular (Rg), but not what the life insurance industry typically terms "preferred health". A company offering an R+ premium also offers a regular (Rg) health premium. Rg premiums are less difficult to qualify for.

Rg - indicates a rate for a person in normal health who does not have any medical or lifestyle condition which would increase their future risk of dying.

Example: A person who has moderately elevated blood pressure may not qualify for P+, Pf or R+ premium rates, but they might qualify for Rg. A private pilot may not qualify for P+ or Pf premiums, but might qualify for R+ or Rg rates. You will need to speak to the company or an insurance agent for more details. Premiums quoted for smokers already take into account that the insured person smokes and therefore has a greater risk of death than a non-smokers. Premiums offered to smokers are already higher than those for non-smokers.

NOTE: The preferred category you assign to your client will determine the lowest rate that the system will quote. However, any premiums higher than that class, will also be quoted.

For example, if you enter your client as "preferred plus" your comparison results will include all four categories of P+, Pf, R+ and Rg.

If you enter your client as "preferred" (NOT PLUS), then P+ premiums will NOT be included. Your comparison results will include the three categories of Pf, R+ and Rg.

If you enter your client as "regular plus", then P+ and Pf premiums will NOT be included. Your comparison results will include the two categories of R+ and Rg.

And finally, if you enter your client as "regular" (NOT PLUS), then P+, Pf and Rg premiums will NOT be included. Your comparison results will include only the category Rg.

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