| 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 minor health impairments allowed. |
Some health impairments allowed. Can have personal history of certain medical conditions. |
| 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 60 and younger, 155/95 - age 61 and over. |
Currently well controlled with current and average readings in the past two years not greater than: 155/95 - age 60 and younger, 160/95 - age 61 and over. |
| No cardiovascular disease or cancer in either parent or siblings before age 61. |
No cardiovascular death of either parent before age 61. |
No more than one cardiovascular death in parents before age 61. |
No more than one cardiovascular death in parents before age 61. |
| Not available if 2 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. |
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. |
| No use in the past 36 months. |
No use in the last 12-36 months (varies by company). |
No use in the last 12-24 months (varies by company). |
No use in the last 12 months. |
| Depending on company, only available on certain types of skin cancer. |
Only available on certain types of skin cancer. |
Coverage may be available based on specific cancer history. |
Coverage may be available based on specific cancer history. |
| Levels may not exceed 220. |
Levels may not exceed 250. |
Levels may not exceed 285. |
Levels may not exceed 300. |
| May not exceed 4.0-5.0 (varies by company). |
May not exceed 6.0-6.5 (varies by company). |
May not exceed 7.0 (varies by company). |
May not exceed 7.5-8.0 (varies by company). |
| No history of substance or alcohol abuse. |
No history of, or treatment for, abuse in past 10 years. |
No history of, or treatment for, abuse in past 7 years. |
No history of, or treatment for, abuse in past 7 years. |
| 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. |
Commercial airline pilots accepted. Private pilots- flat extra may apply depending on experience. |
| Available only if no flat extra premium would be required. |
Available; however, may have flat extra. |
Available; however, may have flat extra. |
Available; however, may have flat extra. |
| Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Greencard. |
Must be a US resident for past 3 years and either US citizen or have permanent Visa or Green card. |
Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card. |
Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green card. |