Determine Your Health Class

Determine Your Health Class

Guidelines Preferred Plus
Non-Tobacco
Preferred
Non-Tobacco
Regular Plus
(Standard Plus)
Non-Tobacco
Regular
(Standard)
Non-Tobacco
Preferred
Tobacco
Standard
Tobacco
Tobacco Usage None in past 5 years None in past 2 years Tobacco Permitted
Cholesterol / HDL Ratio 5.0 5.5 6.2 7.0 5.5 7.0
Blood Pressure 130/80 for ages < 49
135/85 for ages >50
135/85 for ages < 49
140/90 for ages >50
140/90 for ages < 49
145/90 for ages >50
* * *
Family History
Includes coronary artery disease and the following cancers: Breast, Ovarian, Prostate, Colon, Lung, Melanoma
No family deaths before age 60 of either parent or sibling. No family deaths before age 60 of either parent. * No family deaths before age 60 of either parent. *
Personal Medical History No heart or vascular disease, diabetes, or cancer
(except some skin cancers)
No ratable impairments No heart or vascular disease, diabetes, or cancer (except some skin cancers) No ratable impairments
Driving History
DUI/Reckless None in past 5 years * None in past 5 years *
Major Violations No more than one in past 3 years; NONE in past 12 months No more than one in past 3 years * No more than one in past 3 years *
Minor Violations No more than 3 minor moving violations in past 3 years * No more than 3 minor moving violations in past 3 years *
Alcohol/Substance Abuse No history or treatment at any time * No history or treatment in past 7 years No history or treatment at any time No history or treatment in past 7 years
Aviation Only available with Aviation Exclusion Rider; not available to 71 and older No ratable aviation activities No occupation related ratable aviation activities Insurability and ratings depend on actual aviation history No ratable aviation activities Insurability and ratings depend on actual aviation history
Avocation (Hazardous) No participation in the following activities: aeronautics (e.g. hang-gliding, ultralight, soaring, skydiving, ballooning, etc.) power racing, competitive vehicles, mountain climbing, rodeos, competitive skiing or scuba/skin diving at a depth greater than 75 feet.
Military Active military duty is acceptable provided the proposed insured is not serving in a hazardous area or does not have orders to serve in a hazardous area. Unless otherwise prohibited by statute.
* Individual Consideration on a case-by-case basis – may or may not be eligible.

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