Super Preferred:
Standard risk medically and no ratable occupational
hazard.
Not a private pilot or participant in aviation
activities. Pilots and crew members on regularly
scheduled passenger flights on major airlines are
acceptable if not engaged in any other flying
activities. Exclusion is okay except in Missouri, New
Jersey and North Dakota.
No current blood pressure reading to exceed: 140/85
No current or history of blood pressure treatment.
No current cholesterol treatment.
No history of alcohol or substance abuse within the last
20 years.
Cholesterol must be 210 or less. If ratio is 3.5 or
lower, then level may be 220.
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 hazardous sports or avocations, i.e., hang gliding,
ballooning, motorized racing, parachuting or scuba
diving within the last 3 years.
No nicotine use of any kind for the last 3 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 history of or death from coronary artery disease or
cancer of either natural parent prior to age 60, unless
the insured is attained age 60 or older.
No other adverse underwriting considerations per
underwriting judgment.
Preferred:
Standard risk medically and no ratable occupational
hazard.
Not a private pilot or participant in aviation
activities. Pilots and crew members on regularly
scheduled passenger flights on major airlines are
acceptable if not engaged in any other flying
activities. Exclusion is okay except in Missouri, New
Jersey and North Dakota.
Blood pressure not to exceed: 145/90 - Age 50 or
younger; 150/90 - Age 51 or older
No history of alcohol or substance abuse within the last
20 years.
Cholesterol must be 230 or less, but if all other
criteria are met, add +10 (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 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- Tobacco. 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 history of or death from coronary artery disease or
cancer of either natural parent prior to age 60, unless
the insured is attained age 60 or older.
No other adverse underwriting considerations per
underwriting judgment.
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