Preferred Rates - Health Checklist

Use this guideline* to see what class best fits you. Be honest with yourself, the insurance companies are very thorough.This is a guideline, some companies are less strict, some companies are more strict.
Super Preferred						Preferred
Products are priced so about 30-35% of the applicants for this class will be issued Super-Preferred.						Products are priced so about 70% of the applicants for this class will be issued Preferred.
No nicotine use for 5 years.						No nicotine use for 3 years.
No history of blood pressure treatment. No history of treatment for hypertension. No current blood pressure readings in excess of 135/90						No history of blood pressure treatment (Some Companies may allow controlled blood pressure. Not in excess of 140/90 if sustained more than 1 year)
Cholesterol reading does nor exceed 210 No history of treatment for cholesterol Chol/HDL Ratio does not exceed 5.0						Cholesterol reading does not exceed 250 (Controlled cholesterol history may be eligible)Chol/HDL Ratio does not exceed 6.5
Has not had 2 moving violations over the past 2 years. No DUI in the past 5 years.						Has not had 2 moving violations over the past 2 years. No DUI in the past 5 years.
No ratable health impairment ( Diabetes, Cancer, Drug Or Alcohol Abuse, Coronary Related History, etc.)						No ratable health impairment ( Diabetes, Cancer, Drug Or Alcohol Abuse, Coronary Related History, etc.)
Is not a private pilot or student pilot. Does not engage in hazardous sports.						Private pilot with IFR rating may be eligible with some Companies. Does not engage in hazardous sports.
Must not have resided outside the U.S./Canada in the Past 3 years, and have no intention of foreign travel to Underdeveloped countries.						Must not have resided outside the U.S./Canada in the Past 3 years, and have no intention of foreign travel to Underdeveloped countries.
No Cardiovascular disease in parents or siblings prior To age 60.						No Cardiovascular disease in parents or siblings prior To age 60.
Height/Weight Guidelines:
	Male	Female		Male	Female		Male	Female		Male	Female
5’0"	145	127	5’2"	153	130	5’0"	161	151	5’2"	170	158
5’4"	162	135	5’6"	172	141	5’4"	180	166	5’6"	190	174
5’8"	182	159	5’10"	191	156	5’8"	200	182	5’10"	210	190
6'0"	202	164	6’2"	213	172	6'0"	222	200	6’2"	236	212
6’4"	224	181	6'6"	237	190	6’4"	250	224	6'6"	264	244