Review the descriptions of the various attributes for each underwriting class and select the class at the top of the column that best describes your physical condition, medical history and lifestyle.

	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 Chart	See Build Chart	See Build Chart
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 and 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	No foreign travel to underdeveloped or politically unstable countries	No foreign travel to underdeveloped or politically unstable countries