Below are some general guidelines that they use:
Wondering how the insurance company will rate your health?
Parameter |
Preferred Plus |
Preferred |
Regular/Standard |
Family |
No cancer or cardiovascular death of either parent before age 60. |
No cancer or cardio vascular death of either parent before age 60. |
No more than 1 cancer or cardiovascular death of parents before age 60. |
Blood Pressure |
140/85 |
150/90 |
155/95 |
Cholesterol Levels |
Under 210, HDL: Less than 5.0 |
Under 240, HDL: Less than 6.5 |
Under 280, HDL: Less than 8.0 |
Health History |
No history of major health conditions, such as, cancer, diabetes, heart disease. |
No history of major health conditions, such as, cancer, diabetes, heart disease. |
Some major health conditions allowed. |
Driving History |
No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving. |
No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 5 years. |
No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years. |
Tobacco |
No use of nicotine products in past 3 years. |
No use of nicotine products in past 3 years, also preferred smoker rates available. |
No use of nicotine products in past 1 year, also standard smoker rates available. |
Substance or Alcohol Abuse |
No history of alcohol or substance abuse. |
No history of alcohol or substance abuse. |
No alcohol or substance abuse in the past 7 years. |
Aviation |
available with additional rider. |
available with additional rider. |
available with additional rider. |