| Category |
Best
Class /
Preferred Plus |
Preferred |
Standard
Plus |
Standard |
Physical /
Mental
Impairments
and
Medical
History |
No health impairments allowed. No
personal history of cardiovascular disease or diabetes. |
No health impairments allowed. No
personal history of cardiovascular disease or diabetes. |
Some minor health impairments
allowed. |
Some health impairments allowed. Can
have personal history of certain medical conditions. |
| Blood Pressure |
No current or past history of blood
pressure treatment. Current and average readings in the past
two years not greater than 140/85. |
Currently well controlled with current
and average readings in the past two years not greater than:
150/90 |
Currently well controlled with current
and average readings in the past two years not greater than:
150/90 - age 60 and younger, 155/95 - age 61 and over. |
Currently well controlled with current
and average readings in the past two years not greater than:
155/95 - age 60 and younger, 160/95 - age 61 and over. |
Family
Medical
History |
No cardiovascular disease or cancer in
either parent or siblings before age 61. |
No cardiovascular death of either parent
before age 61. |
No more than one cardiovascular death in
parents before age 61. |
No more than one cardiovascular death in
parents before age 61. |
Personal
Driving
History |
Not available if 2 or more moving
violations in last 3 years, or if any DUI in last 60
months. |
Not available if 3 or more moving
violations in the last 3 years except with flat extra, or if
any DUI in last 60 months. |
Not available if 3 or more moving
violations in the last 3 years except with flat extra, or if
any DUI in last 24 months. |
Not available if 3 or more moving
violations in the last 3 years except with flat extra, or if
any DUI in last 24 months. |
Use of
Tobacco
or
Nicotine
Products |
No use in the past 36 months. |
No use in the last 12-36 months (varies by company). |
No use in the last 12-24 months (varies by company). |
No use in the last 12 months. |
History
of
Cancer |
Depending on company, only available on
certain types of skin cancer. |
Only available on certain types of skin
cancer. |
Coverage may be available based on
specific cancer history. |
Coverage may be available based on
specific cancer history. |
Cholesterol
Readings |
Levels may not exceed 220. |
Levels may not exceed 250. |
Levels may not exceed 285. |
Levels may not exceed 300. |
Cholesterol / HDL
Ratio |
May not exceed 4.0-5.0 (varies by company). |
May not exceed 6.0-6.5 (varies by company). |
May not exceed 7.0 (varies by company). |
May not exceed 7.5-8.0 (varies by company). |
Substance
or
Alcohol
Abuse |
No history of substance or alcohol
abuse. |
No history of, or treatment for, abuse
in past 10 years. |
No history of, or treatment for, abuse
in past 7 years. |
No history of, or treatment for, abuse
in past 7 years. |
| Aviation |
Commercial airline pilots accepted.
Private pilots - may qualify with aviation exclusion. |
Commercial airline pilots accepted.
Private pilots- flat extra may apply depending on
experience. |
Commercial airline pilots accepted.
Private pilots- flat extra may apply depending on
experience. |
Commercial airline pilots accepted.
Private pilots- flat extra may apply depending on
experience. |
Hazardous
Activities
(i.e. Sky
diving,
Hang
gliding, Rock
climbing, Scuba
diving etc) |
Available only if no flat extra premium
would be required. |
Available; however, may have flat
extra. |
Available; however, may have flat
extra. |
Available; however, may have flat
extra. |
Residency-
Citizenship |
Must be a US resident for past 3 years
and either a US citizen or have permanent Visa or
Greencard. |
Must be a US resident for past 3 years
and either US citizen or have permanent Visa or Green card. |
Must be a US resident for past 2 years
and either US citizen or have permanent Visa or Green card. |
Must be a US resident for past 2 years
and either US citizen or have permanent Visa or Green
card. |
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