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Term Life Policy:
This policy provides coverage at a fixed rate of payments for a selected period of time.
Preferred Plus: Excellent health, normal weight and height.
Preferred: Excellent health, though there may be a few minor issues like such as slightly elevated cholesterol, blood pressure and overweight.
Standard Plus: Optimum health, there may be some factors that prevent the applicant from falling into a preferred category like high blood pressure or being overweight.
Average health as well as a normal life expectancy. Minor health issues may be present or, perhaps, weight is not optimum.