|
Category |
Preferred Plus |
Preferred |
Regular
Plus |
Regular |
|
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. Can
have personal history of certain cardiovascular diseases or diabetes. |
Some severe health impairments allowed. Can
have personal history of certain cardiovascular diseases or diabetes. |
|
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:
155/95 - age 60 and younger, 160/95 - 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 60. |
No cardiovascular death of
either parent before age 60. |
No more than one
cardiovascular death in parents before age 60. |
No more than one
cardiovascular death in parents before age 60. |
|
Personal Driving History |
Not available if 3 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 Tobacco
Products |
No tobacco use in the past 36
months. |
No tobacco use in the last 12
months. |
No tobacco use in the last 12
months. |
No tobacco 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 240. |
Levels may not exceed 250. |
Levels may not exceed 300. |
Levels may not exceed 300. |
|
CHOL/HDL Ratio |
May not exceed 5.0. |
May not exceed 6.5. |
May not exceed 8.0. |
May not exceed 8.0. |
|
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. |
