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Do You Really Need Life Insurance?
If there is someone who would suffer economic hardship if you died, then the answer is yes... you need life insurance! Whatsmore, some forms of life insurance can do more than simply cover your family, they can provide woderful retirement options as well!


	Wondering how the insurance company will rate your health? Below are some general guidlines that they use:

Parameter	Preferred Plus	Preferred	Regular/Standard
Family	No cancer or cardiovascular death of either parent before age 60.	No cancer or cardio vascular death of either parent before age 60.	No more than 1 cancer or cardiovascular death of parents before age 60.
Blood Pressure	140/85	150/90	155/95
Cholesterol Levels	Under 210, HDL: Less than 5.0	Under 240, HDL: Less than 6.5	Under 280, HDL: Less than 8.0
Health History	No history of major health conditions, such as, cancer, diabetes, heart disease.	No history of major health conditions, such as, cancer, diabetes, heart disease.	Some major health conditions allowed.
Driving History	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving.	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 5 years.	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years.
Tobacco	No use of nicotine products in past 3 years.	No use of nicotine products in past 3 years, also preferred smoker rates available.	No use of nicotine products in past 1 year, also standard smoker rates available.
Substance or Alcohol Abuse	No history of alcohol or substance abuse.	No history of alcohol or substance abuse.	No alcohol or substance abuse in the past 7 years.
Aviation	available with additional rider.	available with additional rider.	available with additional rider.