| MEDICAL GUIDELINES |
| Underwriting Criteria |
Preferred Plus |
Preferred |
| Asthma |
Not allowed |
Not allowed |
| Blood Pressure |
Under 140/90. Must not be under treatment |
Under 140/90. Controlled usually OK |
| Blood Profile |
Normal |
Normal |
Cancer
(except some skin cancers) |
Not allowed |
Not allowed |
Cardiovascular Disease
Stroke |
Not allowed |
Not allowed |
| Cholesterol |
No current treatment allowed. Must be 230 or less. Cholesterol/HDL ratio must be less than 5 |
Treatment OK. Must be 250 or less. Cholesterol/HDL ratio must be less than 6.5 |
| Depression |
Not allowed |
Some companies allow |
| Diabetes |
Not allowed |
Not allowed |
| Family History |
No cardiovascular or cancer disease in parents or siblings prior to age 60 |
No cardiovascular or cancer death in parents or siblings prior to age 60 |
| Urine Profile |
Normal |
Normal |
| |
| LIFE STYLE GUIDELINES |
| Underwriting Criteria |
Preferred Plus |
Preferred |
| Alcohol and Substance Abuse |
No History allowed |
No History within 10 years |
| Aviation (crew) |
Commercial Airlines OK |
Commercial Airlines OK |
| Avocation |
No participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered racing, rodeo, skuba diving, skydiving, soaring, or ultralight allowed. |
Some companies allow with a flat extra fee, others specify no participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered
racing, rodeo, skuba diving, skydiving, soaring, ultralight |
| Driving Record |
No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years. |
No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years. |
| Foreign Travel |
No areas under State Department issued travel advisories allowed. |
No areas under State Department issued travel advisories allowed. |
| Occupation |
No hazardous occupations allowed: specific occupations varies by company |
Some companies allow with a flat extra fee, others specify no hazardous occupations:
specific occupations varies by company |
| Smoking / Tobacco (non-smoking policies) |
None for the past 4 or 5 years. Varies by company. |
None for the past 1 to 3 years. Varies by company. |
| |
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