Preferred Plus:
Applicant must meet all Preferred
Plus criteria in addition to all Preferred criteria. Failure
to do so will automatically eliminate the proposed insured
from qualifying for Preferred Plus underwriting. If any of
the questions below are answered “yes,” the policy will
not be issued Preferred Plus. No exception will be
allowed.
• Have you used any form of tobacco in the last 36 months?
• Have you participated in any hazardous sport activities or
aviation in the last five years?
• Have you ever been charged with or convicted of a DWI or
DUI in the last 10 years?
• Have you ever sought or received treatment for alcohol
and/or drug abuse?
• Does your total cholesterol exceed 225 and total
cholesterol/HDL ratio exceed 5.0?
• Have you experienced significant hypertension in the past,
and are current blood pressure readings normal (140/85 or
less)?
• Have you been charged with more than 2 traffic violations
within the last 36 months?
• Is your current blood panel completely normal?
For Preferred Plus, also follow the Preferred guidelines
listed below.
Preferred
If the proposed insured answers “yes” to
any of the following questions, he/she may not be eligible
for the Preferred classification. In the event of a “yes”
answer, submit the questionnaire to your Home Office
Underwriter with a written explanation outlining details of
that answer.
If all answers are “no” and the evidence of insurability
submitted with the application is determined by underwriting
to be favorable, the policy will be issued as Preferred.
• Have you used any form of tobacco in the past 24 months?
• Are you a private pilot with less than 500 solo hours; or
do you fly more than 250 hours per year; or do you fly in
other than conventional aircraft (jet/prop)?
• Have you been charged with two or more traffic violations
within 24 months or have you been convicted of driving under
the influence of alcohol or any other drug within the past
five years?
• Have you sought or received treatment for alcohol or drug
abuse within the last 10 years?
• Has a member of your immediate family died of or been
diagnosed with coronary artery, cerebral vascular disease or
diabetes prior to age 60?
• Have you ever had or been told by a doctor that you had
cancer, diabetes, heart disease or an abnormal EKG?
• Based on your age, does your total cholesterol exceed the
following limits?
...Age 20-40: Cholesterol mg/dl 230
...Age 41-55: Cholesterol mg/dl 250
...Age 56-up:
Cholesterol mg/dl 270
• Is your HDL less than 45mg/dl?
• Is your blood pressure higher than 140/85? (If over age
55, 150/90)? | 
