|
Underwriting
Criteria
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Preferred Plus
Health Class
|
Preferred
Health Class
|
Standard Plus
Health Class
|
Standard
Health Class
|
|
Build
|
See Build Chart
|
See Build Chart
|
See Build Chart
|
See Build Chart
|
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Health/Medical History and Physical/Mental
Impairments
|
No health impairments allowed. No personal history of cardiovascular disease or diabetes.
|
No health impairments allowed. No personal history of cardiovascular disease or diabetes.
|
Some health impairments allowed. Can have personal history of certain cardiovascular diseases or diabetes
|
Some health impairments allowed. Can have personal history of certain cardiovascular diseases or diabetes
|
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Tobacco/Nicotine. No use of nicotine or nicotine substances
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In the last 5 years (occasional cigar may be allowed).
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In the last 3 years (occasional cigar may be allowed).
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In the last 2 years (occasional cigar may be allowed).
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In the last 12 months (occasional cigar may be allowed).
|
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Blood Pressure, treated or untreated, currently controlled and average readings do not exceed:
|
Age 0-50 135/85
Age 51-64 140/85
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Age 0-50 140/90
Age 51-64 145/90
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Age 0-50 145/90
Age 51-64 150/90
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Age 0-50 150/90
Age 51-64 155/90
|
|
Maximum Cholesterol, treated or untreated
|
230
|
250
|
280
|
300
|
|
Cholesterol/HDL Ratio
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Female 4.0
Male 4.5
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Female 5.0
Male 5.5
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Female 6.0
Male 6.5
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Female 7.0
Male 7.5
|
|
Driving History. No DUI, reckless driving, license revocation or suspensions
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In the last 7 years.
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In the last 5 years.
|
In the last 3 years.
|
In the last 2 years
|
|
Family History
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No cancer or coronary artery disease in either parent before age 60.
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No Death from cancer or coronary artery disease before age 60
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Not more than one death of a parent due to coronary artery disease prior to age 60.
|
Not more than one death of a parent due to coronary artery disease prior to age 60.
|
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Alcohol/Substance Abuse. No history of or treatment for alcohol or substance abuse.
|
Ever
|
In the last 10 years.
|
In the last 7 years.
|
In the last 7 years
|
|
Aviation
|
Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.
|
Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.
|
Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.
|
Commercial airline pilots accepted. Private pilots – may qualify with aviation exclusion.
|
|
Hazardous Activities (i.e. Skydiving, Hang gliding, Rock climbing, Scuba diving, etc.)
|
Available only if no flat extra premium would be required.
|
Available; however, may have flat extra.
|
Available; however, may have flat extra.
|
Available; however, may have flat extra.
|
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Residency-Citizenship
|
Must be permanent U.S. resident for past 3 years and either U.S. citizen or have permanent Visa or Green Card.
|
Must be permanent U.S. resident for past 3 years and either U.S. citizen or have permanent Visa or Green Card.
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Must be permanent U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card.
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Must be permanent U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card.
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