| Your Height |
Maximum
Weight |
| Height |
Preferred Plus |
Preferred |
Standard |
| 4'10" |
137 |
144 |
169 |
| 4'11" |
141 |
149 |
175 |
| 5'0" |
145 |
154 |
189 |
| 5'1" |
149 |
159 |
193 |
| 5'2" |
153 |
164 |
197 |
| 5'3" |
158 |
169 |
204 |
| 5'4" |
162 |
175 |
209 |
| 5'5" |
166 |
180 |
215 |
| 5'6" |
170 |
186 |
220 |
| 5'7" |
176 |
192 |
225 |
| 5'8" |
182 |
197 |
230 |
| 5'9" |
188 |
203 |
235 |
| 5'10" |
193 |
209 |
242 |
| 5'11" |
199 |
215 |
251 |
| 6'0" |
205 |
221 |
256 |
| 6'1" |
211 |
227 |
263 |
| 6'2" |
216 |
234 |
271 |
| 6'3" |
222 |
240 |
279 |
| 6'4" |
227 |
246 |
286 |
| 6'5" |
233 |
253 |
293 |
| 6'6" |
238 |
260 |
300 |
| 6'7" |
243 |
266 |
307 |
| 6'8" |
249 |
273 |
316 |
| 6'9" |
254 |
280 |
325 |
| 6'10" |
260 |
287 |
333 |
| 6'11" |
265 |
294 |
341 |
| Medical Guidelines |
| Underwriting Criteria |
Preferred Plus |
Preferred |
Standard |
| Physical/Mental Impairments and
Medical History |
No health impairments allowed.
No personal history of cardiovascular disease or diabetes |
No health impairments allowed.
No personal history of cardiovascular disease or diabetes |
Some health impairments allowed.
Can have personal history of certain cardiovascular diseases
or diabetes |
| Blood Pressure |
No current or past history of
blood pressure treatment. Current and average readings
in the past two years not greater than 140/85 |
Currently well controlled with
current and average readings in the past two years not
greater than: 150/90 |
Currently well controlled with
current and average readings in the past two years not
greater than: 150/90 - age 45 and younger, 154/93 - ages
45-60, 158/95 - ages 61 and over |
| Family Medical History |
No cardiovascular disease or
cancer in either parent or siblings before age 60 |
No cardiovascular death of either
parent before age 60 |
No cardiovascular death of not
more than one parent before age 60 |
| Personal Driving History |
Not available if 3 or more moving
violations in last 3 years, or if any DUI in last 60
months |
Not available if 3 or more moving
violations in the last 3 years except with flat extra,
or if any DUI in last 60 months |
Not available if 3 or more moving
violations in the last 3 years except with flat extra,
or if any DUI in last 24 months |
| Use of Tobacco or Tobacco Products |
No tobacco use in the past 36
months |
No tobacco use in the last 12
months |
No tobacco use in the last 12
months |
| History of Cancer |
Depending on company, only available
on certain types of skin cancer |
Only available on certain types
of skin cancer |
Available depending on type and
duration of cancer |
| Cholesteral Readings |
Levels may not exceed 240 |
Levels may not exceed 250 |
Levels may not exceed 280 |
| CHOL/HDL Ratio |
May not exceed 5.0. (Transamerica
4.0) |
May not exceed 6.5 |
May not exceed 7.5 |
| Substance or Alcohol Abuse |
No history of substance or alcohol
abuse |
No abuse in past 10 years |
No abuse in past 7 years |
| Aviation |
Commercial airline pilots accepted.
Private pilots-may qualify with aviation exclusion |
Commercial airline pilots accepted.
Private pilots-flat extra may apply depending on experience |
Commercial airline pilots accepted.
Private pilots-flat extra may apply depending on experience |
| Hazardous Activities (i.e. skydiving,
hanggliding, rock climbing, scuba diving etc) |
Available only if no flat extra
premium would be required |
Available; however, may have
flat extra |
Available; however, may have
flat extra |
