Health "Excellent"
"Excellent" Health, for the purposes of life insurance cost comparison surveys means that the person is of measurably above average health, with measurably above average family health history.  In addition, the person is not engaged in any dangerous or perceived dangerous activities, vocations or avocations.  "Hazardous" activities would include flying as a passenger or crew in small private planes, mountain climbing, motor racing, stunt acting, work with explosives, etc.

Among other aspects, this includes the lack of critical illness events (including no history of heart problems, blood pressure is in the normal range without medication, no prior incidents of cancer, stroke, etc., as well as no hospitalization for any serious or moderately serious illness).

Life insurance companies may impose further conditions for acceptance for Preferred, "Good health" rates.  These may include healthy recommended height weight ratios (not being overweight or underweight), excellent immediate family medical history without critical illness events and without death of members of the immediate family due to cardiovascular, carcinoma or HIV related causes prior to age 65.

"Life Style" requirements to qualify for Preferred, "Excellent Health" rates may include but are not necessarily limited to no criminal convictions or personal bankruptcies, no travel to geographic areas that are "combat zones" or "semi combat zones", no major traffic violations that would normally lead to a suspension of one's driver's license and no more than one or two minor traffic violations over the past 3 years, no history of alcoholism and no history of consumption or use of illicit drugs.

The terms "Preferred", and "Excellent Health" are often used interchangeably to refer to the benchmark premium rates being offered to individuals whose health, lifestyle and genetic background (family health history) is measurably above the average.

Individuals whose health and lifestyle is "Excellent", or measurably better than the average may enjoy varying degrees of discounts from the "Regular" or "Standard" premium rates.  These discounted rates are loosely referred to as "Preferred" rates.  It is important to note and understand, though, that the word or term "Preferred" may have entirely different meaning among the various insurance companies and is not an absolute or commonly agreed to description of any particular rates, or discounts, or percentages thereof.    Given that the word or term "Preferred", in terms of life insurance rates, does not have a conventional uniform definition or application to start with, use of insurance sales terms such as "Super Preferred" or "Preferred Plus" or the like have no credible meaning or value for the purposes of life insurance cost comparisons.  For this very important reason, WinQuote(tm) does not engage in the use of such potentially confusing and/or confounding trivial generalizations in reference to Excellent health and lifestyle (preferred health and lifestyle) rate discounts.

The foregoing is a general description and is not meant to be exhaustive.  For further details, please contact a Canadian financial services broker or agent.  For your convenience, a link to Canada's foremost financial services brokers and agents database, is provided on the comparison survey screens of WinQuote.  The Canadian financial services brokers  and agents database contains the names and telephone numbers of thousands of consumer-oriented Canadian financial services brokers and agents.  Inclusion in the database requires professionalism and a consumer-oriented practice but does not require the broker or agent to sell for any specific entity or to be a member of any insurance sales "association".

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