Description of Underwriting Classes

Preferred PlusPreferredStandard PlusStandard
TobaccoNo tobacco or nicotine use of any kind in last 60 monthsNo tobacco or nicotine use of any kind in last 24 monthsNo tobacco or nicotine use of any kind in last 12 months
Medical HistoryNo 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 PressureAge 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

Cholesterol200 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 HistoryNo parent or sibling with heart disease, cancer or diabetes prior to age 60No two parents or siblings with heart disease, cancer or diabetes prior to age 60No two parents or siblings died from heart disease, cancer or diabetes prior to age 60
Hazardous ActivitiesNo participation in hazardous avocation or occupation

No ratable aviation risk (IFR required)

No ratable avocation, occupation, or aviation riskNo ratable avocation, occupation, or aviation risk. May be exceptions for small aviation ratings
Driving RecordNo DUI or reckless driving in last 10 years • No more than one moving violation or accident in last 3 yearsNo DUI or reckless driving in last 10 years • No more than two moving violations or accidents in last 3 yearsNo DUI or reckless driving in last 5 years. • No more than three moving violations or accidents in last 3 years
Alchohol and Drug UseNo history of treatment or counselingNo history of treatment or counselling in last 10 yearsNo history of treatment or counseling in last 7 years
OtherNo foreign travel to underdeveloped or politically unstable countriesNo foreign travel to underdeveloped or politically unstable countriesNo foreign travel to underdeveloped or politically unstable countries

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

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