SecureLife.com

Frequently Asked Questions

When I apply for an Insurance Quote how do I know if I am "standard", "preferred", or "preferred-plus"?

The difference between each of these health categories can vary from one company to the next. However, there are some key basic similarities between each insurance category. 
Preferred-Plus - about 10-15% of all insurance applicants 'achieve' this insurance class 
· Excellent overall health 
· No participation in any hazardous activities 
· No history of drug or alcohol abuse 
· No use of tobacco in any form 
Preferred - about 30-40% of all insurance applicants 'achieve' this insurance class 
· Good overall health 
· No participation in any hazardous activities 
· No history of drug or alcohol abuse 
Standard and Substandard - the remainder of all insurance applicants fall into one of these insurance classes 
· You have a minor health problem i.e. a high cholesterol count (Standard) 
· You have a major health problem (Substandard) 
· Your health is in some way compromised by a history of drug or alcohol abuse 
· You have used tobacco within the last 12 months. 
· You participate in a hazardous activity. 

Preferred-Plus insurance applicants receive the lowest insurance premiums as they are considered by actuary tables to be those people likely to live the longest and therefore represent the lowest 'risk' to the insurance company. 
To avoid any confusion or disappointment we ensure that you are placed in the correct insurance 'class' right at the beginning of the insurance application. We may find that you are classified as "Standard" by one insurance company and "Preferred" by another. Whichever it is, we will find the right company for you and we do this by keeping a constant watch over the changing insurance picture. At SecureLife.com we take pride in looking after you as a person not just an insurance applicant. We know you are worth it. 


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Over the years our customers have asked us particular insurance questions. We have put these altogether to help you make intelligent buying decisions.