Preferred
Best:
Blood Pressure:
Up to 130/80 for
ages up to 49;
Up to 135/85 for
ages 50 and
over; Without
medication
Cholesterol:
Under 220;
Cholesterol/HDL
ratio 5 or less;
Without
medication
Build: Weight
must be within
acceptable
limits per
Physical
Measurements
(Build) Table.
Family History:
No death of a
parent or
sibling prior to
age 70 due to:
Coronary Artery
Disease (CAD),
Cerebrovascular
Disease (CVD),
Diabetes
Mellitus, or
Cancer
Personal
History: No
personal history
of: Coronary
Artery Disease
(CAD), Diabetes
Mellitus,
Hepatitis C or
Cancer (except
skin cancer,
excluding
melanoma).
Alcohol/ Drug
Abuse: No
history of
alcohol/drug
abuse or
treatment and no
current drug
use.
Driving History:
No DWI or
reckless driving
within the last
5 years; No
license
suspension
within the last
3 years; No more
than 1 citation
for moving
violation or
motor vehicle
accident within
the last 3 years
Avocation: No
hazardous
activities (e.g.
automobile or
motorcycle
racing, sky
diving, scuba
diving, bungee
jumping).
Aviation: No
private piloting
or ratable
business or
military flying
Travel: No
business or
vacation travel
outside the U.S.
more than 3
months; No
travel to
hazardous
locations (e.g.
countries with
political
turbulence)
Residence: Must
be full time,
permanent U.S.
resident.
Ratings: No
Occupation,
Aviation or
Temporary Extra,
no substandard
ratings of any
kind.
Preferred
Non-Tobacco:
Blood Pressure:
Up to 135/85 for
ages up to 49;
Up to 140/90 for
ages 50 and
over; With or
without
medication
Cholesterol:
Under 250;
Cholesterol/HDL
ratio 6 or less;
With or without
medication
Build: Weight
must be within
acceptable
limits per
Physical
Measurements
(Build) Table.
Family History:
No death of a
parent or
sibling prior to
age 65 due to:
Coronary Artery
Disease (CAD),
Cerebrovascular
Disease (CVD),
Diabetes
Mellitus, or
Cancer
Personal
History: No
personal history
of: Coronary
Artery Disease
(CAD), Diabetes
Mellitus or
Cancer (except
skin cancer,
excluding
melanoma)
Alcohol/ Drug
Abuse: No
history of
alcohol/drug
abuse or
treatment within
the last 10
years and no
current drug
use.
Driving History:
No DWI or
reckless driving
within the last
5 years; No
license
suspension
within the last
3 years; No more
than 2 citations
for moving
violation or
motor vehicle
accidents within
the last 3 years
Avocation: No
ratable
activities. No
activities that
would preclude
the purchase of
ADB (e.g. drag
racing at speeds
over 120 mph,
scuba diving
101-130 feet
with basic open
water
certification).
Aviation: No
private piloting
or ratable
business or
military flying.
Travel: No
business or
vacation travel
outside the U.S.
more than 3
months; No
travel to
hazardous
locations (e.g.
countries with
political
turbulence)
Residence: Must
be full time,
permanent U.S.
resident.
Ratings: No
Occupation,
Aviation or
Temporary Extra,
no substandard
ratings of any
kind.
Non-Smoker
Plus:
Blood Pressure:
Up to 140/90 for
ages up to 49;
Up to 145/90 for
ages 50 and
over; With or
without
medication
Cholesterol:
Under 275;
Cholesterol/HDL
ratio 7 or less;
With or without
medication
Build: Weight
must be within
acceptable
limits per
Physical
Measurements
(Build) Table
Family History:
No death of a
parent or
sibling prior to
age 60 due to:
Coronary Artery
Disease (CAD),
Cerebrovascular
Disease (CVD),
Diabetes
Mellitus, or
Cancer
Personal
History: Actual
medical history
will be
evaluated to
determine
qualification
for this class.
Personal history
requiring a
rating not
permitted.
Alcohol/ Drug
Abuse: Actual
alcohol/drug
history will be
evaluated to
determine
qualification
for this class.
History
requiring a
rating not
permitted.
Driving History:
Actual driving
history will be
evaluated to
determine
qualification
for this class.
Driving record
requiring a
rating not
permitted.
Avocation:
Occupation
Ratings
available for
avocation.
Aviation: No
ratable aviation
(e.g. private
pilots flying
more than 200
hours per year).
Travel:
Occupational
Ratings
available for
foreign travel
and depend on
factors such as
location
traveled to and
length of stay.
Residency:
Available to
certain non-U.S.
residents.
Subject to
applicable rules
and
restrictions.
Contact
Underwriting
prior to
submitting an
application.
Ratings:
Occupational
Extras may be
permitted for
travel or
avocation only.
Non-Smoker:
Blood Pressure:
Insurability and
ratings depend
on ability to
control blood
pressure and
other medical
conditions.
Cholesterol:
Insurability and
ratings depend
on cholesterol
levels and other
medical
conditions.
Weight:
Insurability and
ratings depend
on actual weight
and other
medical
conditions.
Family History:
Insurability and
ratings depend
on details of
family history
and personal
medical history.
Some medical
conditions may
be rated. Some
drug/alcohol
histories may be
rated.
Insurability and
ratings depend
on severity and
how recent the
history was.
Driving History:
May be rated
depending on
actual driving
history.
Hazardous duties
may be
acceptable.
Occupation
Ratings
available for
avocation
Aviation:
Insurability and
ratings depend
on actual
aviation history
Travel:
Insurability and
ratings depend
on location
traveled, length
of stay and
reason for
visit. May be
non-U.S.
resident.
Contact
underwriting
prior to
submitting.
Substandard
rating classes
A. |
