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Please refer to the chart below as a guideline for estimating your quote rating class. This chart represents a collective sample of underwriting guidelines and is not intended to be all-inclusive or a guarantee of coverage. Your final rating class will be determined through underwriting and all guidelines vary by company.
| Preferred Plus | Preferred | Standard Plus | Standard | |
| Medical History | See list below | See list below | See list below | See list below |
| Family History | No cardiovascular disease or cancer in either parent or siblings prior to age 60. | No death from cardiovascular disease or cancer in either parent or siblings prior to age 60. | Not more than one parent death from cardiovascular disease or cancer prior to age 60. | Not more than one parent death from cardiovascular disease or cancer prior to age 60. |
| Cholesterol / HDL Ratio | May not exceed 5.0 | May not exceed 6.0 | May not exceed 7.0 | Levels above 7.0 may qualify |
| Cholesterol Level | May not exceed 220 | May not exceed 240 | May not exceed 260 | Levels above 260 may qualify |
| Blood Pressure | No history of treatment. May not exceed 140/85. | Currently controlled. Current and historic readings over last two years may not exceed 145/88 | Currently controlled. Current and historic readings over last two years may not exceed 150/92 | Currently controlled. Current and historic readings over last two years may not exceed 150/92 |
| Alcohol / Substance Abuse | No history. | No history in the past 10 years. | No history in the past 7 years. | No history in the past 7 years. |
| Driving History | No DUI, DWI or reckless driving in the past 5 years. No more than 1 moving violations in the last 3 years. | No DUI, DWI or reckless driving in the past 5 years. No more than 2 moving violations in the last 3 years. | No DUI, DWI or reckless driving in the past 3 years. No more than 3 moving violations in the last 3 years. | No DUI, DWI or reckless driving in the past 2 years. No more than 3 moving violations in the last 3 years. |
| Aviation | Commercial airline pilots may qualify. Not available for private pilots. | Commercial airline pilots may qualify. Private pilots may qaulify with an exclusion rider or extra premium. | Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium. | Commercial airline pilots may qualify. Private pilots may qualify with an exclusion rider or extra premium. |
| Hazardous Avocation [?] | Not available. | May be available with extra premium. | May be available with extra premium. | May be available with extra premium. |
| Residence and / or Citizenship | Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. | Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. | Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. | Must be a U.S. resident for the past 3 years. Must be a US citizen or have permanent Visa. |
| Military | No active duty. | May be on active duty. | May be on active duty. | May be on active duty. |
| Foreign Travel | No travel to countries under State Department Advisory. Varies by company. | No travel to countries under State Department Advisory. Varies by company. | No travel to countries under State Department Advisory. Varies by company. | No travel to countries under State Department Advisory. Varies by company. |
| Condition | Preferred Plus | Preferred | Standard Plus | Standard |
| Alcohol / Drug Abuse Dependancy History | No | Yes | Yes | Yes |
| Anxiety | No | No | Yes | Yes |
| Arthritis (rheumatoid) | No | Yes | Yes | Yes |
| Asthma | No | Yes | Yes | Yes |
| Chronic Bronchitis | No | Yes | Yes | Yes |
| Cancer | No | No | No | Yes |
| Cardiovascular / Heart Disease | No | No | No | Yes |
| Cholesterol Treatment | No | Yes | Yes | Yes |
| Chronic Obstructive Pulmonary Disease | No | Yes | Yes | Yes |
| Crohn's Disease | No | No | No | Yes |
| Depression | No | No | Yes | Yes |
| Diabetes Type I * | No | No | No | No |
| Diabetes Type II | No | No | No | Yes |
| Emphysema | No | No | No | Yes |
| Epilepsy | No | No | Yes | Yes |
| Hypertension (High Blood Pressure) | No | Yes | Yes | Yes |
| Kidney / Liver Disease (chronic) | No | No | No | Yes |
| Melanoma | No | No | No | Yes |
| Multiple Sclerosis | No | No | No | Yes |
| Sleep Apnea | No | No | No | Yes |
| Stroke (including TIA)* | No | No | No | No |
| Ulcerative Colitis | No | No | No | Yes |
| Vascular Disease | No | No | No | Yes |
* A substandard rating may be available for these medical conditions, depending on individual circumstances and insurance company guidelines. Please email or call 800-867-2404 for additional information or quotes.
