Underwriting Guidelines | Athletic Preferred | Preferred | Average |
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: Under 5.0 | Under 240, HDL: Under 6.5 | Under 280, HDL: Under 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 | No use of nicotine products in past 1 year |
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 | requires additional rider. | requires additional rider. | requires additional rider. |
This web site features Quotit Technology - Quotit is a registered trademark of the Quotit Corporation.