Preferred Plus Guidelines

Non-Tobacco

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

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

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

•    no private aviation, or hazardous avocations or occupations;

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

•    no treatment for anxiety or depression;

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

•    no treatment or counseling regarding drug or alcohol use;

•    blood pressure, untreated only, no higher than 130/80 (blood pressure treatment disqualifies);

•    total cholesterol, untreated only, no higher than 210 mg/dl with chol/HDL ratio no higher than 4.5; and

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