Preferred + Preferred Standard
Tobacco Use No tobacco or nicotine products in the last 24 months No tobacco or nicotine products in the last 12 months No tobacco or nicotine products in the last 12 months, up to 12 cigars/year
Overall Health No ratable health impairments
  No history of coronary artery disease, cardiovascular disease, diabetes or cancer
Blood Pressure Doesn't exceed:
  130/80 for ages 20 to 54
      140/85 for ages 55 to 64
      145/90 for ages 65 to 80

Never on medication for high blood pressure		 Doesn't exceed:
      150/90 for ages 20 to 54
      155/90 for ages 55 to 80


Never on medication for high blood pressure		 Doesn't exceed:
      150/90 for ages 20 to 45
      155/90 for ages 46 to 65
      160/90 for ages 66 to 80

If taking medication for high blood pressure, has normal BP
Cholesterol Doesn't exceed:
      210 for ages 20 to 44
      220 for ages 45 to 80

Never treated (diet or medication)

Cholesterol/HDL ratio 5 or less		 Doesn't exceed:
      250 for ages 20 to 44
      260 for ages 45 to 80

No medication to control cholesterol level

Cholesterol/HDL ratio 6.5 or less		 Doesn't exceed:
      300 for all ages





Cholesterol/HDL ratio 7 or less
Personal History No ratable health impairments
No history of coronary artery disease, cardiovascular disease, diabetes or cancer
Family History No cancer, cardiovascular disease, coronary artery disease or diabetes diagnosed before age 60 for parents of siblings Same as preferred +, except there can be one person only diagnosed between ages 55 and 60 and no death   N/A
Driving History No convictions for driving while intoxicated or reckless driving in the last 10 years

No more than 2 moving violations in the last 2 years		 No convictions for driving while intoxicated or reckless driving in the last 5 years

No more than 4 moving violations in the last 3 years		 No convictions for driving while intoxicated in the last 5 years
Alcohol or Substance Abuse No excessive use or treatment for alcohol or substance abuse within the past 10 years No excessive use or treatment for alcohol or substance abuse within the past 5 years No excessive use or treatment for alcohol or substance abuse within the past 5 years
Lifestyle Excellent Very Good Good
Avocation No participation in: hand gliding, skydiving, ballooning, ultralight, soaring, powered racing or competitive vehicles, mountain climbing, rodeos, competitive skiing, or scuba/skin diving at a depth greater than 60 feet
Aviation Flying as a passenger, or pilot or crew member, only on regularly scheduled major airlines
Foreign Travel No travel to known dangerous areas of the world
Height/Weight Chart (max weight in lbs)
Male: Female:
Height Preferred+ Preferred Standard Height Preferred+ Preferred Standard
4' 8" 140 145 169 4' 8" 129 139 154
4' 9" 143 149 173 4' 9" 132 142 157
4' 10" 146 153 177 4' 10" 135 145 160
4' 11" 155 165 189 4' 11" 138 148 163
5' 0" 160 170 194 5' 0" 141 151 166
5' 1" 165 175 199 5' 1" 144 154 169
5' 2" 170 180 204 5' 2" 148 158 173
5' 3" 175 185 209 5' 3" 152 162 177
5' 4" 180 190 214 5' 4" 156 166 181
5' 5" 185 195 219 5' 5" 160 170 185
5' 6" 190 200 225 5' 6" 164 174 190
5' 7" 195 205 231 5' 7" 168 178 195
5' 8" 200 210 237 5' 8" 172 182 200
5' 9" 205 216 243 5' 9" 176 186 205
5' 10" 210 222 249 5' 10" 180 190 210
5' 11" 215 229 256 5' 11" 185 195 216
6' 0" 220 236 263 6' 0" 190 200 222
6' 1" 225 243 270 6' 1" 196 206 228
6' 2" 233 250 277 6' 2" 202 212 234
6' 3" 240 257 285 6' 3" 208 218 240
6' 4" 233 250 277 6' 4" 214 224 247
6' 5" 240 257 285 6' 5" 220 230 254
6' 6" 248 264 293 6' 6" 226 237 261
6' 7" 255 272 301 6' 7" 232 244 268
6' 8" 263 280 309 6' 8" 238 251 276
6' 9" 270 288 317 6' 9" 244 258 284
6' 10" 278 296 326 6' 10" 250 266 292
6' 11" 285 305 335 6' 11" 256 275 300