Time Insurance Preferred Rates

The Time Insurance rates quoted on our online instant quote service are for preferred rates. Approximately 40% of all applications applying with Time qualify for this special class of rates, which are typically 10-20% lower than standard rates.

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If you do qualify for Preferred Rates with Time, you will also need to complete the Preferred Rating Questionnaire .  Each applicant/enrollee must complete and sign the appropriate sections.  Spouses are considered separately for preferred rating eligibility and must also answer this questionnaire.  This information is not required for dependents.

If you do not qualify for these rates after reviewing the questions below, please call (866-749-2039) or e-mail our offices for an exact quote for your particular situation.

Preferred Rating Eligibility

If an applicant/enrollee meets any of the following conditions, that applicant is not eligible for a preferred rating:*

• Special Exception Rider
  
• Special Class Premium
• Answers "yes" to any of the following questions
  

1. Has the applicant/enrollee(s) used tobacco products at any time during the past 3 years?  (If no, go to question 4.)
   
   
2. Does the applicant/enrollee(s) smoke 10 or more cigarettes per day?
   
   
3. Does the applicant/enrollee(s) smoke more than 1 cigar or pipe per day?
   

   *Note: An applicant/enrollee may be eligible for a Preferred Smoker rating if he or she is able to truthfully answer questions 2 and 3 "no."  Underwriting reserves the right to apply tobacco ratings based upon lab results, phone verification or medical records.  Chewing tobacco users will not be eligible for the Preferred Smoker rating.

4. Is the applicant/enrollee(s) currently outside the weight range listed in the build chart below (add the chart from page 2 of the attached brochure at the bottom of the page).

5. Has the applicant/enrollee(s) had blood pressure readings** in excess of 140/90 in the past 12 months?
   
   
6. Has the applicant/enrollee(s) had total cholesterol readings** above 220 and/or been treated for elevated cholesterol or triglycerides within the past 12 months?
   
   
7. Has the applicant/enrollee(s) had any convictions for DUI or more than 1 moving violation including speeding ticket within the past 2 years?
   
                         ** Individuals age 40 and over must have readings that meet the following guidelines:
   
   

   Age	Cholesterol	Blood Pressure
   40 - 49	past 3 years under 220	140/90
   50 and older	past 2 years under 220	140/90