10 Year Term: Ages 15-75
15 Year Term: Ages 15-70
20 Year Term: Ages 15-65
30 Year Term: Ages 15-45
For policies issued in the state of Washington- 10LT 15-70, 15LT 15-65, 20LT 15-60 and 30LT 15-45 

Blood Pressure: No history of treatment allowed. No history of blood pressure above 135/85, untreated

Cholesterol: Statin treatment allowed. Max Total Chol 225. Max Chol/HDL ratio of 4.5

Driving Record: Routine collection of Motor Vehicle Record required for preferred consideration. No more than 1 moving violation in 3 years. No DUI/DWI or reckless driving in 5 years. No felony arrest

Family History: Immediate family is defined as natural parents and siblings. No immediate family history of death or disease by cancer or cardiovascular death or disease prior to age 60

Preferred Nontobacco and Preferred Tobacco:

Blood Pressure: No history of treatment allowed. No history of blood pressure above 140/90, untreated

Cholesterol: Statin treatment allowed. Max Total Chol 270. Max Chol/HDL ratio of 6.0

Driving Record: Routine collection of Motor Vehicle Record required for preferred consideration. No more than 3 moving violations in 2 years. No DUI/DWI or reckless driving in 3 years. No felony arrest

Family History Immediate family is defined as natural parents and siblings. No more than one (1) immediate family history of death from cancer or cardiovascular disease prior to age 60

Standard Plus Tobacco:

Blood Pressure: No history of treatment allowed. No history of blood pressure above 150/95, untreated

Cholesterol: Statin treatment allowed. Max Total Chol 300. Max Chol/HDL ratio of 7.0

Driving Record Routine collection of Motor Vehicle Record required for preferred consideration. No more than 3 moving violations in 2 years. No DUI/DWI or reckless driving in 3 years. No felony arrest.

Family History: Immediate family is defined as natural parents and siblings. No more than one (1) immediate family history of death from cancer or cardiovascular disease prior to age 60