Preferred Plus Non-Tobacco:
Impairments:
No personal history of disease or impairment that would
affect mortality
Blood Pressure: Currently well controlled with or
without treatment, with no readings in the past two
years greater than 136/86
Family History: No cardiovascular disease or cancer
in either parent or siblings before age 60
Driving History: No more than 2 violations in last 3
years. No DWI, DUI, reckless driving, license revocation
or suspension in last 5 years.
Cancer History: Only available on certain types of
skin cancer
Cholesterol: Levels may not exceed 220; CHOL/HDL may
not exceed 5.0
Alcohol/ substance abuse: No history of substance or
alcohol abuse
Aviation: Only available with exclusion rider
Avocation: Available only if no flat extra premium
would be required
Residency/ Citizenship: Must be a US resident for
past 3 years and either a US citizen or have permanent
Visa or Green Card
Preferred Non-Tobacco :
Impairments: No personal history of disease or
impairment that would affect mortality
Blood Pressure: Currently well controlled with no
readings in the past two years greater than 146/90
Family History: No cardiovascular or cancer death in
either parent before age 60
Driving History: No more than 2 violations in last 3
years. No DWI, DUI, reckless driving, license revocation
or suspension in last 5 years.
Cancer History: Only available on certain types of
skin cancer
Cholesterol: Level may not exceed 250; CHOL/HDL
Ratio may not exceed 6.0
Alcohol/ substance abuse: No alcohol or substance
abuse in the past 10 years
Aviation: Preferred is available with flat extra or
exclusion rider
Avocation: Preferred is available, however may have
flat extra
Residency/ Citizenship: Must be a US resident for
past 3 years and either US citizen or have permanent
Visa or Green Card
Standard Plus Non-Tobacco
:
Impairments: No personal history of disease
or impairment that would affect mortality
Blood Pressure: Currently well controlled with no
readings in the past two years greater than 152/92
Family History: No cardiovascular or cancer death of
more than one parent before age 60
Driving History: No more than 3 violations in last 3
years. No DWI, DUI, reckless driving, license revocation
or suspension in last 3 years.
Cancer History: Available depending on type and
duration of cancer
Cholesterol: Level may not exceed 280; CHOL/HDL
Ratio may not exceed 7.0
Alcohol/ substance abuse: No alcohol or substance
abuse in the past 7 years
Aviation: Standard Plus is available with flat extra
or exclusion rider
Avocation: Standard Plus is available, however may
have flat extra
Residency/ Citizenship: Must be a US resident for
past 2 years and either US citizen or have permanent
Visa or Green Card
Standard:
Impairments: No personal history of disease or
impairment that would affect mortality
Blood Pressure: Currently well controlled with no
readings in the past two years greater than 156/94
Family History: No cardiovascular or cancer death of
more than one parent before age 60
Driving History: No more than 4 violations in last 3
years. No DWI, DUI, reckless driving, license revocation
or suspension in last 2 years.
Cancer History: Available depending on type and
duration of cancer
Cholesterol: Level may not exceed 300; CHOL/HDL
Ratio may not exceed 8.0
Alcohol/ substance abuse: No alcohol or substance
abuse in the past 7 years
Aviation: Standard is available with flat extra or
exclusion rider
Avocation: Standard is available, however may have
flat extra
Residency/ Citizenship: Must be a US resident for
past 2 years and either US citizen or have permanent
Visa or Green Card | 
