The BCMA Term Life Insurance plan has introduced lower rates for nonsmokers and two new underwriting classes—Preferred and Elite. Members and their spouses who practise a healthy lifestyle are rewarded with lower premiums.

To be eligible for the Preferred or Elite class, you must be in very good health and lead a low-risk lifestyle, and your term life insurance coverage must be a minimum of $250 000. Through the normal medical underwriting process, other factors will also be examined, including:

• Tobacco use
• Physical build
• Cholesterol level
• Blood pressure
• Recreational activities
• Driving record
• Personal and family medical history

As an example, the accompanying tables [10] illustrate the cost savings between the new and the standard rate classes for women and men, age 40.

To find out more about the new underwriting rate classes or to request an application, contact the BCMA Insurance Department.

—Sandie Braid, CEBS, BCMA Insurance