I am considering getting a life insurance policy through State Farm where they have different rates depending on the results of a physical that must be performed. The agent is not able to tell me but I would like to know what the criteria is for qualifying for the preferred and super preferred rates.

BMI? (body mass index)
blood pressure?
cholesterol level?

My objective is to find out if I qualify now and if not but am close I could work on improving my health over the next few months through diet and exercise.

I realize that the criteria will vary based on age, sex, height, etc. but there must be some table, chart or formula they use to determine what rate you qualify for.

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