Super Preferred

Preferred 

Select 

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; 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

Build

See Build Table below

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 Pursuits

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

Alcohol & Drug Use

No history of treatment or counseling

No history of treatment or counseling in last 10 years

No history of treatment or counseling in last 7 years

Other

No foreign travel to underdeveloped or politically unstable countries