Super 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.
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.
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