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UNDERWRITING GUIDELINES
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This will help you determine which health class you will qualify for.
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Preferred Plus Rates |
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- No cancer or cardiovascular death of a parent before age 60.
- Blood pressure 140/85 or better.
- Cholesterol under 210 and HDL less than 5.0
- No history of cancer, diabetes, heart disease, etc.
- Maximum 2 moving violations past 3 years.
- No record of DUI or reckless driving.
- No use of tobacco products in past 3 years.
- No history of alcohol or substance abuse.
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Preferred Rates (Tobacco and Non Tobacco) |
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- No cancer or cardiovascular death of a parent before age 60.
- Blood pressure 150/90 or better.
- Cholesterol under 240 and HDL less than 6.5
- No history of cancer, diabetes, heart disease, etc.
- Maximum 2 moving violations past 3 years.
- No DUI or reckless driving for 5 years.
- Non Tobacco - No use of tobacco products in past 3 years.
- Tobacco - Tobacco use acceptable.
- No history of alcohol or substance abuse.
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Standard Rates (Tobacco and Non Tobacco) |
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- Not more than 1 cancer or cardiovascular death of a parent before age 60.
- Blood pressure 155/95 or better.
- Cholesterol under 280 and HDL less than 8.0
- Some major health conditions allowed.
- Maximum 2 moving violations past 3 years.
- Non Tobacco -No use of tobacco products in past 3 years.
- Tobacco - Tobacco use acceptable.
- No alcohol or substance abuse for 7 years.
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| Heights and Weights |
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These are the maximum permissible weights to qualify for each rate class. |
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Table is used for males and females. |
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| Height | Preferred
Plus | Preferred | Standard |
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| 5'0" | 145 | 154 | 189 |
| 5'1" | 149 | 159 | 193 |
| 5'2" | 153 | 164 | 197 |
| 5'3" | 158 | 169 | 204 |
| 5'4" | 162 | 175 | 209 |
| 5'5" | 166 | 180 | 215 |
| 5'6" | 170 | 186 | 220 |
| 5'7" | 176 | 192 | 225 |
| 5'8" | 182 | 197 | 230 |
| 5'9" | 188 | 203 | 235 |
| 5'10" | 193 | 209 | 242 |
| 5'11" | 199 | 215 | 251 |
| 6'0" | 205 | 221 | 256 |
| 6'1" | 211 | 227 | 263 |
| 6'2" | 216 | 234 | 271 |
| 6'3" | 222 | 240 | 279 |
| 6'4" | 227 | 246 | 286 |
| 6'5" | 233 | 253 | 293 |
| 6'6" | 238 | 260 | 300 |
| 6'7" | 243 | 266 | 307 |
| 6'8" | 249 | 273 | 316 |
| 6'9" | 254 | 280 | 325 |
| 6'10" | 260 | 287 | 333 |
| 6'11" | 265 | 294 | 341 |
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