Medical and Lifestyle Guidelines for Health Classes
Underwriting Criteria |
Preferred Plus |
Preferred |
Standard Plus |
Standard |
| Build | See Build Chart | See Build Chart | See Build Chart | See Build Chart |
| 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 |
| Tobacco/Nicotine. No use of nicotine or nicotine substances | In the last 5 years (occasional cigar may be allowed). | In the last 3 years (occasional cigar may be allowed). | In the last 2 years (occasional cigar may be allowed). | In the last 12 months (occasional cigar may be allowed). |
| Blood Pressure, treated or untreated, currently controlled and average readings do not exceed: | Age 0-50 135/85
Age 51-64 140/85 |
Age 0-50 140/90
Age 51-64 145/90 |
Age 0-50 145/90
Age 51-64 150/90 |
Age 0-50 150/90
Age 51-64 155/90 |
| Maximum Cholesterol, treated or untreated | 300 | 300 | 300 | 300 |
| Cholesterol/HDL Ratio | Female 4.0
Male 4.5 |
Female 5.0
Male 5.5 |
Female 6.0
Male 6.5 |
Female 7.0
Male 7.5 |
| Driving History. No DWI, DIO, reckless driving. License revocation or suspensions. | In the last 5 years. | In the last 5 years. | In the last 3 years. | In the last 2 years |
| Family History | No cancer or coronary artery disease in either parent before age 60. | No Death from cancer or coronary artery disease before age 60 | 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. |
| 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. |
| 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. | Must be permanent U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card. | Must be permanent U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card. |