Preferred Guidelines

Tobacco and Non-Tobacco

For Preferred underwriting classification, the applicant must meet the following guidelines:

•    Preferred Non-Tobacco not using tobacco products for three years;

•    Preferred Tobacco currently using tobacco;

•    no death of a parent, brother or sister under the age of 60 from cardiovascular disease or cancer;

•    no private aviation, or hazardous avocations or occupations;

•    no DUI or “reckless driving” convictions within the last five years, and no more than one moving violations in the past five years;

•    only stable and mild anxiety or depression (subject to individual consideration);

•    no personal history of vascular disease or life-threatening cancer (must be a standard risk);

•    no treatment or counseling regarding drug or alcohol use within the last seven years;

•    blood pressure, treated or untreated, no higher than 140/90;

•    total cholesterol, treated or untreated, no higher than 250 mg/dl with chol/HDL ratio no higher than 5.0; and

•    build not to exceed limits set forth in the chart below.