Protective Life and Annuity of NY Product Features

Not a private pilot or participant in aviation activities. Pilots and crewmembers on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities.

No current blood pressure reading to exceed 135/80.

No current or history of blood pressure or cholesterol treatment.

No history of alcohol or substance abuse within the last 20 years.

Build does not exceed the following:

    Height/Weight  Height/Weight   Height/Weight
        5-0 132       5-8 172       6-4 217
        5-1 137       5-9 177       6-5 222
        5-2 142       5-10 182      6-6 229
        5-3 147       5-11 187      6-7 235
        5-4 152       6-0 193       6-8 241
        5-5 156       6-1 199       6-9 248
        5-6 162       6-2 205
        5-7 166       6-3 211

Cholesterol must be 210 unless the Chol/HDL ratio is 3.5 or lower. In this case 220 is allowed.
Cholesterol/HDL ratio must not exceed 4.5.

No history of internal cancer, melanoma or heart disease within the last 20 years. No history of diabetes (except gestational).

No history of or death from coronary artery disease or cancer of either natural parent prior to age 60. If the client is age 60 or over, parental history in general will not be a factor. We do not exclude client from this class based on any parental history of diabetes, stroke or any sibling health history.

No hazardous sports or avocations, i.e. hang gliding, ballooning, motorized racing, parachuting, or scuba diving within the last three years.

No nicotine use of any kind in the last three years.

Not available if two or more moving violations in the last two years or if any DUI or reckless driving in the last five years.

No other adverse underwriting considerations per underwriting judgment.


Preferred Risks
No exceptions will be made to these guidelines
Standard risk medically and no ratable occupational hazard.

Not a private pilot or participant in aviation activities. Pilots and crewmembers on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities.

Blood pressure not to exceed:
140/85 - Age 50 or younger
145/85 - Age 51 or older

No history of high/elevated blood pressure

No history of alcohol or substance abuse within the last 20 years.

Build does not exceed the following:

    Height/Weight  Height/Weight   Height/Weight
        5-0 151       5-8 190       6-4 240
        5-1 155       5-9 195       6-5 247
        5-2 160       5-10 200      6-6 254
        5-3 165       5-11 206      6-7 262
        5-4 170       6-0 212       6-8 270
        5-5 175       6-1 219       6-9 278
        5-6 180       6-2 228       6-10 286
        5-7 185       6-3 233       6-11 295

Cholesterol must be 220 or less, but if all other Preferred criteria are met, add +20 (240 total), including treated cholesterol.
Cholesterol/HDL ratio must not exceed 6.0.

No history of internal cancer, melanoma or heart disease within the last 20 years. No history of diabetes (except gestational).

No history of or death from coronary artery disease or cancer of either natural parent prior to age 60. If the client is age 60 or over, parental history in general will not be a factor. We do not exclude client from this class based on any parental history of diabetes, stroke or any sibling health history.

No hazardous sports or avocations, i.e. hang gliding, ballooning, motorized racing, parachuting or scuba diving within the last 3 years. Recreational scuba diving up to depths of 75 feet is acceptable.

No nicotine use of any kind for the last year for Preferred non-smokers.
This includes occasional cigars, nicotine gum, etc.

Not available if two or more moving violations in the last two years or if any DUI or reckless driving in the last five years.

No other adverse underwriting considerations per underwriting judgment.