|
Preferred Plus |
Preferred |
Standard Plus |
Standard |
| Cholesterol / HDL Ratio |
May not exceed 5.0 |
May not exceed 6.0 |
May not exceed 7.0 |
Levels above 7.0 may qualify |
| Cholesterol Level |
May not exceed 220 |
May not exceed 240 |
May not exceed 260 |
Levels above 260 may qualify |
| Blood Pressure |
No history of treatment. May not exceed 140/85. |
Currently controlled. Current and historic readings over last two
years may not exceed 145/88 |
Currently controlled. Current and historic readings over last two
years may not exceed 150/92 |
Currently controlled. Current and historic readings over last two
years may not exceed 150/92 |
| Alcohol / Substance Abuse |
No history. |
No history in the past 10 years. |
No history in the past 7 years. |
No history in the past 7 years. |
| Driving History |
No DUI, DWI or reckless driving in the past 5 years. No more than 1
moving violations in the last 3 years. |
No DUI, DWI or reckless driving in the past 5 years. No more than 2
moving violations in the last 3 years. |
No DUI, DWI or reckless driving in the past 3 years. No more than 3
moving violations in the last 3 years. |
No DUI, DWI or reckless driving in the past 2 years. No more than 3
moving violations in the last 3 years. |
| Aviation |
Commercial airline pilots may qualify. Not available for private
pilots. |
Commercial airline pilots may qualify. Private pilots may qaulify
with an exclusion rider or extra premium. |
Commercial airline pilots may qualify. Private pilots may qualify
with an exclusion rider or extra premium. |
Commercial airline pilots may qualify. Private pilots may qualify
with an exclusion rider or extra premium. |
| Hazardous Avocation |
Not available. |
May be available with extra premium. |
May be available with extra premium. |
May be available with extra premium. |
| Residence and / or Citizenship |
Must be a U.S. resident for the past 3 years. Must be a US citizen
or have permanent Visa. |
Must be a U.S. resident for the past 3 years. Must be a US citizen
or have permanent Visa. |
Must be a U.S. resident for the past 3 years. Must be a US citizen
or have permanent Visa. |
Must be a U.S. resident for the past 3 years. Must be a US citizen
or have permanent Visa. |
| Military |
No active duty. |
May be on active duty. |
May be on active duty. |
May be on active duty. |
| Foreign Travel |
No travel to countries under State Department Advisory. Varies by
company. |
No travel to countries under State Department Advisory. Varies by
company. |
No travel to countries under State Department Advisory. Varies by
company. |
No travel to countries under State Department Advisory. Varies by
company. |
| Alcohol / Drug Abuse Dependancy History |
No |
Yes |
Yes |
Yes |
| Anxiety |
No |
No |
Yes |
Yes |
| Arthritis (rheumatoid) |
No |
Yes |
Yes |
Yes |
| Asthma |
No |
Yes |
Yes |
Yes |
| Chronic Bronchitis |
No |
Yes |
Yes |
Yes |
| Cancer |
No |
No |
No |
Yes |
| Cardiovascular / Heart Disease |
No |
No |
No |
Yes |
| Cholesterol Treatment |
No |
Yes |
Yes |
Yes |
| Chronic Obstructive Pulmonary Disease |
No |
Yes |
Yes |
Yes |
| Crohn's Disease |
No |
No |
No |
Yes |
| Depression |
No |
No |
Yes |
Yes |
| Diabetes Type I * |
No |
No |
No |
No |
| Diabetes Type II |
No |
No |
No |
Yes |
| Emphysema |
No |
No |
No |
Yes |
| Epilepsy |
No |
No |
Yes |
Yes |
| Hypertension (High Blood Pressure) |
No |
Yes |
Yes |
Yes |
| Kidney / Liver Disease (chronic) |
No |
No |
No |
Yes |
| Melanoma |
No |
No |
No |
Yes |
| Multiple Sclerosis |
No |
No |
No |
Yes |
| Sleep Apnea |
No |
No |
No |
Yes |
| Stroke (including TIA)* |
No |
No |
No |
No |
| Ulcerative Colitis |
No |
No |
No |
Yes |
| Vascular Disease |
No |
No |
No |
Yes |
| Family History |
No cardiovascular disease or cancer in either parent or siblings
prior to age 60. |
No death from cardiovascular disease or cancer in either parent or
siblings prior to age 60. |
Not more than one parent death from cardiovascular disease or cancer
prior to age 60. |
Not more than one parent death from cardiovascular disease or cancer
prior to age 60. |
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