Determine Your Health Class*

GUIDELINES Preferred Plus Preferred Regular/Standard
Family History No cancer or cardiovascular death of either parent or sibling 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 (without medication) 150/90 (with or without medication) 155/95 (with or without medication)
Cholesterol Levels Under 220, HDL: Less than 5.0 (with or without medication) Under 250, HDL: Less than 6.0 (with or without medication) Under 300, HDL: Less than 8.0 (with or without medication)
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 cigarettes in past 3 years. No use of cigarettes in past 1 year. We also have very competitive preferred smoker rates available for cigarette users. No use of cigarettes in past 1 year. We also have very competitive standard smoker rates available for cigarette users.
Attention All Pipe, Cigar, and Chewing Tobacco Users: We have non-tobacco rates available especially for you.

Call now for details.

1-877-794-TERM (1-877-794-8376)
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 We have very competitive rates for private pilots. Call 1-877-794-TERM (1-877-794-8376) for details. We have very competitive rates for private pilots. Call 1-877-794-TERM (1-877-794-8376) for details. We have very competitive rates for private pilots. Call 1-877-794-TERM (1-877-794-8376) for details.


* - Besides the above profile, height and weight, are extremely important in the overall rate someone qualifies for.