Health Condition Descriptions Determine Your Health Class

GUIDELINES

Preferred Plus Preferred Regular/Standard
Family No cancer or cardiovascular death of either parent before age 60. No cancer or cardiovascular 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/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.