Medical and LifeStyle Guidelines for Health Classes

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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.

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