Preferred Rates explained
Non Tobacco Underwriting Guidelins,*note individual companies may choose additional criteria in their selection process , the following is only a guide
To Qualify for preferred Plus rates you must have Absolutely No health conditions, be in excellent health and meet All of the criteria below
Category Preferred Plus Preferred Standard
Tobacco Use No Use of nicotine products in past 5 years No use of niciotine products in past 3 years No use of nicotne products in past 1 year
Blood Pressure No history of blood pressure treatment A history of blood pressure treatment may or may not be acceptable blood pressure treatment is acceptable if controlled
Blood Pressure Rating Current and historical reading of less than 140/85 ages 18-60 
150/90 - ages 61 & over
Current and historical readings of less than: 150/90 ages 18-60
155/90- ages 61 & over
Averages readings in the past 2 years of less than :150/90-ages 18-60
155/95-ages 61 & over
Cholesterol Level may not exceed 200 Level may not exceed 230 Level may not exceed 280
Cholesterol /Hdl Ratio Less than 5.00 Less than 6.5 Less than 7.5
Personal Medical History  No personal history of any health conditions including but not limted to: heart of vascular disease, diabetes, cancer or melanoma, disorder oflungs, liver, kidney or mental/nervous disorder , rheumatoid arthritis, stroke, kidney stone, gasric/peptic ulcer, ulcerative colitus and asthma No personal history of any health conditions including but not limted to: heart of vascular disease, diabetes, cancer or melanoma, disorder oflungs, liver, kidney or mental/nervous  disorder, rheumatoid arthritis, stroke, gastic/peptic ulcer, ulcerative colius and asthma Can have personal history of certain diseases
Avocation No  participation in hazardous activities(e.g. hangl-gliding ultralight, skydiving, powered vehicle racing, mountain climbing, rodeos or scuba diving) within the past two years. May pariticpate in some hazardous activities(e.g hang-gliding , ultralight skydiving powered vehicle racing, mountain climbing, rodeos or scuba diving) within the past two years May participate insome hazardous activities(eg hang-gliding ultralight , skydiving powered vehicle racing ,mountain climbing, rodeos orscuba diving ) within the past two years
Aviation No participation in private aviation  activities Commercial airline pilots may qualify May participate in aviation activities. Must not be a student pilot May participate in aviation activities , Must not be a student pilot
Family History No incidence or manisfestation of disease /death in either parent or siblings before age 60 No death of either parent or siblings before age 60 No incidence of cancer death of parents before age 60
Driving Record No more than 1 moving violation in the past 2 years , No record of DUI or reckless driving  No more than 1 moving violation in the past 2 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
Mental Illness/Depression No history of mental illness or depression No history of mental illness or depression  A history of mental illness or depression may be acceptable 
Cancer History No cancer history of any kind No cancer history of any kind (except basal cell carcinoma A history of cancer may be acceptable 
Weight to height comparison
Category Preferred Plus Preferred Plus Preferred Preferred Standard Standard
  Male Female Male Female Male Female
5'0" 144 135 161 151 188 176
5'1" 148 138 165 154 192 179
5'2" 153 140 170 158 197 183
5'3" 158 143 175 162 202 187
5'4" 163 145 180 166 207 191
5'5" 168 148 185 170 212 195
5'6"            
5'7"            
5'8" 185 160 200 182 228 210
5'9" 190 165 205 186 234 215
5'10" 196 170 210 190 240 220
5'11" 201 175 216 195 246 226
6' 207 180 222 200 252 232
6'1" 213 184 229 206 259 238
6'2" 219 188 236 212 266 244
6'3" 225 193 243 218 273 250
6'4" 230 197 250 224 280 257
6'5" 237 201 257 230 288 264
6'6" 243 205 264 237 296 271
6'7" 249 209 272 244 304 278
6'8" 256 214 280 251 312 286
6'9" 262 218 288 253 320 294
6'10" 268 222 296 258 329 302
6'11" 276 226 305 275 338 310
 
 
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