SMOKING CLASS: Different insurance companies have different requirements to qualify for non-smoker rates. If you ever smoked, some or all of the products listed may not be available to you at non-smoker rates. Some companies, however, offer incentive plans that provide non-smoker rates for a short period of time and will continue those rates should you quit smoking. Your insurance broker will be able to provide more detailed and specific information.

HEALTH AND LIFESTYLE: Different insurance companies and products have different requirements to qualify for the various classes of rates. Depending on your medical history and lifestyle, you may qualify for better rates than the average person. Premiums for these classifications may be reviewed using the "Preferred" or "Preferred Plus" categories. Your insurance broker will be able to provide more detailed and specific information.