Determine your health class

Preferred Plus Non-TobaccoPreferred Non-TobaccoRegular Plus (Standard Plus) Non-TobaccoRegular (Standard) Non-TobaccoPreferred TobaccoStandard Tobacco
Tobacco UsageNone in past 5 yearsNone in past 2 yearsTobacco Permitted
Cholesterol / HDL Ratio5.05.56.27.05.57.0
Blood Pressure130/80 for ages < 49; 135/85 for ages >50130/85 for ages < 49; 140/90 for ages >50140/90 for ages < 49; 145/90 for ages >50*
Family History: Includes coronary artery disease and the following cancers: Breast, Ovarian, Prostate, Colon, Lung, MelanomaNo 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 HistoryNo heart or vascular disease, diabetes, or cancer (except some skin cancers)No ratable impairmentsNo heart or vascular disease, diabetes, or cancer (except some skin cancers)No ratable impairments
Driving History
DUI/RecklessNone in past 5 years*None in past 5 years*
Major ViolationsNo more than one in past 3 years; NONE in past 12 monthsNone in past 5 years*None in past 5 years*
Minor ViolationsNo more than 3 minor moving violations in past 3 years*No more than 3 minor moving violations in past 3 years*
Alcohol/Substance AbuseNo history or treatment at any time*No history or treatment in past 7 yearsNo history or treatment at any timeNo history or treatment in past 7 years
AviationOnly available with Aviation Exclusion Rider; not available to 71 and olderNo ratable aviation activitiesNo occupation related ratable aviation activitiesInsurability and ratings depend on actual aviation historyNo ratable aviation activitiesInsurability 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.
MilitaryActive 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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