How To Qualify For Preferred Plus Life Insurance? 
This is a great question . Very few people can qualify for the rate class above Preferred . The criteria differs from carrier to carrier , but in general , to qualify for Super Preferred rates , you must : 1 -RRB- have lab results that all fall in the normal range , with cholesterol being very good ; 2 -RRB- blood pressure and pulse must be very good ; 3 -RRB- you can not have a parent -LRB- some also include siblings -RRB- who had heart disease or cancer -LRB- some also include diabetes and other illnesses -RRB- before age 60 or 65 ; 4 -RRB- you can not use tobacco -LRB- the best tobacco users can get is Preferred Tobacco or Preferred Smoker -RRB- ; 5 -RRB- you can not be overweight ; 6 -RRB- you can not have had any serious health conditions throughout your life -LRB- again , all these vary by carrier , health condition , treatment , etc -RRB- ; 7 -RRB- you do not participate in dangerous hobbies , had excessive traffic tickets , had treatment for substance abuse , etc. . Shopping with a broker can get you the best possible rate because each company has its own standards for how they rate . Please do not hesitate to contact me if you would like personal assistance . 