CARRIER

RISK CLASS

DEFINITION

TOBACCO USE

Tobacco use must be admitted on app and labs can show positive nicotine results.

John Hancock

Standard NT

No cigarette use for 1 year; other tobacco products ok; no usage restrictions

John Hancock

Quit Smoking Incentive

Will offer Standard NT rates for smokers on the Protection ULG product for the first 3 years to give the insured time to stop smoking.  Premium reverts back to smoker rates in the 4th yr if the insured has not proven they quit smoking.

Lincoln National

Standard NT

No cigarette use for 1 year; other tobacco products ok; no usage restrictions

Prudential

Non Smoker Plus

No cigarette use for 1 year; other tobacco products ok; no usage restrictions

CIGAR USE

Cigar use must be admitted on app, labs must be negative for nicotine, and not a previous smoker.

American General

Preferred Best

Occasional cigar use of no more than 1 per week allowed for Preferred Best. Current and past nicotine must be negative for at least 12 mos; no use of tobacco products other than cigars for at least 5 yrs.

American National

Preferred Plus

Occasional cigar use of no more than 2 per month and negative HOS allowed for Preferred Plus

     Preferred

         or

  Preferred Plus

Genworth

Preferred Best

Occasional cigar use of 12 or less per yr and current nicotine is negative can be considered for Preferred Best

John Hancock

Super Preferred

Occasional cigar smoker may qualify for Super Preferred NT if smokes less than 12 cigars per year, has not used any other form of tobacco or nicotine products in last 5 years and urinalysis is free of nicotine or its metabilities

Lincoln National

Preferred Plus

Occsaional cigar smoker (up to 12 per year) may qualify for Preferred Plus NT provided urine is negative for nicotine and have not used cigarettes in past 3 years

Preferred

Occsaional cigar smoker (up to 24 per year) may qualify for Preferred NT provided urine is negative for nicotine and have not used cigarettes in past 2 years

MetLife

Preferred Plus

Celebratory  cigars (4 per yr) with negative nicotine test qualifies

Standard Plus

Alternative forms of tobacco use (cigar, pipe, smokeless tobacco) and urinalysis negative for nicotine allowed

Protective Life

Select Preferred

No use in 5 years; will allow up to 6 celebratory cigars over past 12 months if admitted on app and current urine specimen is negative for nicotine

Preferred

No use in 1 year; will allow up to 12 celebratory cigars over past 12 months if admitted on app and current urine specimen is negative for nicotine

Prudential

Non Smoker Plus

No cigarette use for 1 year; other tobacco products ok; no usage restrictions

SunLife

Preferred

Occasional cigar smoker (up to 3 per month) with negative nicotine test qualifies

TransAmerica

Preferred

No use for 2 years; incidential cigar use allowed up to 1 per month and urinalysis is negative for nicotine; must admit on app

United of Omaha

Preferred Plus

Occasional cigar usage(no more than 12 per year with negative urinalysis) is now acceptable for both Preferred and Preferred Plus as well as Standard Plus classes

West Coast Life

Select Preferred

No use in 5 years; occasional cigar use allowed (up to 6 per year) HOS must be negative

Preferred

No use for 1 year; occasional cigar use allowed (up to 12 per year) HOS must be negative

DRIVING HISTORY

Genworth

Preferred Best

No DWI, DUI, reckless driving, revocation or suspension in last 5 yrs.  (Speeding tickets are not mentioned)

FAMILY HISTORY

American General

Standard Plus

One cardiovascular disease or cancer death prior to age 60 (Parents only)

American National

Standard Plus

No death from CAD or CVA in parents or siblings prior to age 60 (cancer not mentioned)

AXA

Standard Plus

No more than 1 death from CAD for parents <60; no criteria for ages 70+

Banner

Standard Plus

No cardiovascular or cancer death of more than 1 parent before age 60

Genworth

Select

Not more than 1 cardiovascular death in parents before age 60; ages 65+ no limitation (cancer not mentioned)

ING

Super Preferred

If PI<60 no cardiovascular deaths in parents prior to age 65 (cancer not mentioned)

Preferred

IF PI<60 No cardiovascular deaths in parents prior to age 60 (cancer not mentioned)

Select

No more than 1 cardiovascular death in parents prior to age 60 (cancer not mentioned)

John Hancock

Preferred

No more than 1 death of a parent or sibling prior to age 60 from coronary artery disease or cancer; age 71+ no limitations

Lincoln Benefit

Standard Select

No more than 1 death of parent from coronary artery disease, stroke, invasive internal cancer or malignant melanoma before age 60; cancer exception: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specif organs when the relative is not the same gender as the proposed insured

Lincoln National

Preferred Plus

No family history of diabetes or coronary artery disease resulting in death of a parent or sibling prior to age 65 (cancer not mentioned)

Preferred

No family history of diabetes or coronary artery disease resulting in death of a parent or sibling prior to age 60 (cancer not mentioned)

North American

Standard Plus

Has not had two or more natural parents or siblings die from coronary artery disease or cancer prior to age 60

Union Central

Preferred Plus

No death or diagnosis of parents or siblings with coronary artery, cerebral vascular disease or diabetes prior to age 60 (cancer not mentioned)

United of Omaha

Preferred

No death of parent or sibling prior to age 60 due to heart disease or diabetes (cancer not mentioned)

AVIATION

American National

Preferred Plus

Commercial pilots for regularly scheduled US based airline only

American National

Preferred

Private pilots:  Issue ages 25-75, has 100+ hrs, flies between 26-200 hrs per year

Genworth

Preferred

Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year

John Hancock

Preferred

Private pilots with >300 hrs who fly 25-200 hrs yearly; have IFR; OR pilots and crew on regularly scheduled airline flights

Lincoln Benefit

Elite

Commercial pilots for regularly scheduled US based airline only

Lincoln National

Preferred

Private pilots with IFR; fly <250 hrs per yr in US and Canada; clean MVR; < age 70; flies in US or Canada

Protective Life

Preferred (UL only)

Private pilots; age 27-65; 400 solo hrs;26-200 hrs annually; flying in US and Canada; Possesses IFR or ATR; clean MVR; no abnormal liver function tests

Prudential

Preferred Best

Must have no ratable aviation activities, have a current and valid Private, Commercial or ATP certification, be at least 30 years of age , have  1,000 hours or more of total flight time or flying at least 5 years aviation history, no FAA violations,  have at least 100 hours in the current make/model of aircraft, have a valid medical vertification without restrictions or special issuance,  fly between 30 and 300 hours per year. This is limited to pilots of fixed wing, powered aircraft flights only (no rotocraft/glider flights.) Business jet pilots are also eligible.

Preferred

Must have no ratable aviation activities; have a current and valid Private, Commercial or ATP certification; be at least 30 years of age; have 1,000 hours or more of total flight time or flying at least 5 years aviation history; no FAA violations in the past 5 years; have at least 100 hours in the current make/model of aircraft; and fly between 30 and 300 hours per year.

Standard Plus

Must have no ratable aviation activities, have a current and valid Private, Commerical, or ATP cerficiation; be at 25 years of age; have more than 600 hours flight time or flying at least 3 years; no FAA violations within past 3 years; and fly between 30 and 300 hours per year.

SCUBA DIVING

Genworth

Preferred Best

Recreational diving only to depths of 100 feet, no caves, wrecks, retrievals, ice, search and rescue

Lincoln Benefit

Elite

Recreational diving to max of 50 feet

Prudential

Preferred

To 100 feet with basic open water certification; more than 10 dives per year