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PrecisionTerm will require a medical exam to be done. PowerTerm often times does not require a medical exam.
For sake of getting a quote, Class 4 is the standard Non Tobacco Rating For Females, Class 6 is the standard Non Tobacco Rating For Males
Important: Rate class is an underwriting classification. This calculator does not determine a person's class from sex, tobacco use, health, or any other factor. It is an estimate tool, not a binding quote or an application.
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