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MEDICAL GUIDELINES
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Underwriting Criteria |
Preferred Plus |
Preferred
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Asthma
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Not allowed
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Not allowed
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Blood Pressure
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Under 140/90. Must not be under treatment
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Under 140/90. Controlled usually OK
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Blood Profile
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Normal
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Normal
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Cancer
(except some skin cancers)
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Not allowed
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Not allowed
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Cardiovascular Disease
Stroke
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Not allowed
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Not allowed
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Cholesterol
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No current treatment allowed. Must be 230 or less. Cholesterol/HDL ratio must be less than 5
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Treatment OK. Must be 250 or less. Cholesterol/HDL ratio must be less than 6.5
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Depression
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Not allowed
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Some companies allow
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Diabetes
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Not allowed
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Not allowed
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Family History
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No cardiovascular or cancer disease in parents or siblings prior to age 60
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No cardiovascular or cancer death in parents or siblings prior to age 60
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Urine Profile
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Normal
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Normal
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LIFE STYLE GUIDELINES
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Underwriting Criteria
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Preferred Plus
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Preferred |
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Alcohol and Substance Abuse
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No History allowed
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No History within 10 years
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Aviation (crew)
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Commercial Airlines OK
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Commercial Airlines OK
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Avocation
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No participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered racing, rodeo, skuba diving, skydiving, soaring, or ultralight allowed.
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Some companies allow with a flat extra fee, others specify no participation in the following: ballooning, competitive skiing, hang gliding, mountain climbing, powered
racing, rodeo, skuba diving, skydiving, soaring, ultralight
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Driving Record
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No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years.
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No more than 2 or 3 tickets in the last 3 years. No DWI in the last 5 years.
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Foreign Travel
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No areas under State Department issued travel advisories allowed.
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No areas under State Department issued travel advisories allowed.
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Occupation
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No hazardous occupations allowed: specific occupations varies by company
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Some companies allow with a flat extra fee, others specify no hazardous occupations:
specific occupations varies by company
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Smoking / Tobacco (non-smoking policies)
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None for the past 4 or 5 years. Varies by company.
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None for the past 1 to 3 years. Varies by company.
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3DQuotes Health Insurance