Description of Underwriting Classes

	Preferred Plus	Preferred	Standard Plus	Standard
Tobacco	No tobacco or nicotine use of any kind in last 60 months	No tobacco or nicotine use of any kind in last 24 months	No tobacco or nicotine use of any kind in last 12 months
Medical History	No history of heart disease, cancer, diabetes or respiratory disease No ratable or near ratable conditions Blood and urine results all within normal limits	No history of heart disease, cancer, diabetes or respiratory disease No ratable or near ratable conditions No ratable or near ratable conditions Blood and urine results all within normal limits	No history of heart disease, cancer, diabetes or respiratory disease No ratable or near ratable conditions
Blood Pressure	Age 20-55: 130/80 or less Age 56+: 140/85 or less Without treatment	Age 20-55: 135/85 or less Age 56+: 140/90 or less Treatment OK	All ages: 140/90 or less Treatment OK
Cholesterol	200 or less, and HDL ratio 5.0 or less Without treatment	230 or less, and HDL ratio 5.0 or less Treatment OK	250 or less, and HDL ratio 6.0 or less Treatment OK
Family History	No parent or sibling with heart disease, cancer or diabetes prior to age 60	No two parents or siblings with heart disease, cancer or diabetes prior to age 60	No two parents or siblings died from heart disease, cancer or diabetes prior to age 60
Hazardous Activities	No participation in hazardous avocation or occupation No ratable aviation risk (IFR required)	No ratable avocation, occupation, or aviation risk	No ratable avocation, occupation, or aviation risk. May be exceptions for small aviation ratings
Driving Record	No DUI or reckless driving in last 10 years • No more than one moving violation or accident in last 3 years	No DUI or reckless driving in last 10 years • No more than two moving violations or accidents in last 3 years	No DUI or reckless driving in last 5 years. • No more than three moving violations or accidents in last 3 years
Alchohol and Drug Use	No history of treatment or counseling	No history of treatment or counselling in last 10 years	No history of treatment or counseling in last 7 years
Other	No foreign travel to underdeveloped or politically unstable countries	No foreign travel to underdeveloped or politically unstable countries	No foreign travel to underdeveloped or politically unstable countries

For more information, read our post on ‘Policy rate classifications‘.