For consideration as Preferred Plus:
Cholesterol: Total must be 230 or less
Cholesterol/HDL ratio must be 5.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 140/85.
No current treatment for
hypertension.
Prior treatment O.K. if discontinued more
than 2 years ago.
Family History: No family deaths before age 60 of
cardiovascular disease or cancer of either parent or any
sibling.
Personal History: Any disorder or activity that would
have an adverse impact on mortality.
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse at any time.
For consideration as Preferred Nonsmoker:
Cholesterol: Total must be 260 or less
Cholesterol/HDL ratio must be 6.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 145/90.
Family History: No family deaths before age 60 of
cardiovascular disease or cancer of either parent.
Personal History: No heart or vascular disease,
diabetes, cancer (except certain skin cancers), chronic
kidney or liver diseases. No major depression in the past 5
years.
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse at any time.
For consideration as Standard Plus:
Cholesterol: Total must be 300 or less
Cholesterol/HDL ratio must be 7.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 152/90.
Family History: No family deaths before age 60 of
cardiovascular disease of either parent.
Personal History: No heart or vascular disease,
diabetes, cancer (except certain skin cancers).
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse in 10 years.
For consideration as Preferred Smoker:
Cholesterol: Total must be 300 or less
Cholesterol/HDL ratio must be 7.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 152/90.
Family History: No family deaths before age 60 of
cardiovascular disease of either parent.
Personal History: No heart or vascular disease,
diabetes, cancer (except certain skin cancers).
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse in 10 years.
For consideration as Standard Non-Smoker/Standard Smoker:
Cholesterol: No limit
Cholesterol/HDL ratio must be
8.0 or less with or without treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 156/92.
Family History: No family deaths before age 60 of
cardiovascular disease of both parents.
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 3 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse in 7 years. | 
