Underwriting determines the final class after the application is submitted. For early estimates:
- Female standard is Class 4; best quotable is Class 2.
- Male standard is Class 6; best quotable is Class 3.
- Female tobacco standard is Class 9; male tobacco standard is Class 10.
- Some health concerns range from one class above standard through the tobacco class.
- Very healthy always estimates from the best quotable class through standard; underwriting determines final eligibility.
- A specifically selected upgraded class requires at least $150,000 of total coverage for that insured.
- Specific-class choices are limited by product and sex. Class 7 is reserved for child-rider conversions.