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CARRIER
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RISK CLASS
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DEFINITION
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American General
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Preferred Plus
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1 violation 3 yrs; no DUI, reckless, revocation, suspension 5 yrs
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Preferred
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2 violations 3 yrs; no DUI, reckless, revocation, suspension 5 yrs
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Standard Plus
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2 violations 3 yrs; no DUI, reckless, revocation, suspension 5 yrs
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Standard
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3 violations 3 yrs; no DUI, reckless, revocation, suspension 2 yrs
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Preferred Tob
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2 violations 3 yrs; no DUI, reckless, revocation, suspension 5 yrs
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Standard Tob
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3 violations 3 yrs; no DUI, reckless, revocation, suspension 2 yrs
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American National
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Preferred Plus
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No DUI/DWI or reckless driving for 5 yrs; no moving violcations >2 in 5 yrs
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Preferred
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No DUI/DWI or reckless driving for 5 yrs; no moving violcations >2 in 3 yrs
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Standard Plus
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No DUI for 5 yrs
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Standard
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No DUI for 2 yrs
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AVIVA
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Premier
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No more than 2 MV in past 3 yrs, no DUI/Reckless in past 5 yrs
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Preferred
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Same
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AXA
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Preferred Elite
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No DWI, reckless driving, MV past 3 yrs < age 44; no >1 mv past 3 yrs ages 45-69; no MV past 2 yrs ages 70+
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Preferred
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No DWI, reckless driving in 5 yrs; no >1 MV past 3 yrs < age 44 no >2 MV past 3 yrs ages 45-69; no MV in 2 yrs ages 70+
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Standard Plus
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No DWI, reckless driving in 3 yrs; no> 2 MV past 3 yrs < age 44 no >3 MV past 3 yrs ages 45-69; no MV in 2 yrs age 70+
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Banner
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Preferred Plus
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No more than 2 MV in last 3 yrs; no DWI, DUI, reckless driving, revocation or suspension in last 5 yrs
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Preferred
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No more than 2 MV in last 3 yrs; no DWI, DUI, reckless driving, revocation or suspension in last 5 yrs
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Standard Plus
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No more than 3 MV in last 3 yrs; no DWI, DUI, reckless driving, revocation or suspension in last 3 yrs
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Standard
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No more than 4 MV in last 3 yrs; no DWI, DUI, reckless driving, revocation or suspension in last 2 yrs
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Genworth
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Preferred Best
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No DWI, DUI, reckless driving, revocation or suspension in last 5 yrs
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Preferred
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No DWI, DUI, reckless driving, revocation or suspension in last 5 yrs
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Select
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No DWI, DUI, reckless driving, revocation or suspension in last 3 yrs
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Standard
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No DWI, DUI, reckless driving, revocation or suspension in last 2 yrs
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Guardian
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Preferred Plus NT
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No more than 2 moving violations in 5 years; no DUI/DWI in 5 years
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Preferred NT
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No more than 2 moving violations in 5 years; no DUI/DWI in 5 years
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ING
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Super Preferred
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No DWI/DUI or reckless driving in the past 5 yrs and no more than 2 moving violations in the past 3 yrs
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Preferred
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Same
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Select
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Same
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John Hancock
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Super Preferred
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No driving while intoxicated or reckless driving conviction in the last 10 yrs and no more than one conviction ever; ages 71+ no moving violations in the past 2 yrs
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Preferred
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No driving while intoxicated or reckless driving conviction in the last 5 yrs and no more than one conviction ever; ages 71+ no more than 1 moving violation in the last 2 yrs
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Lincoln Benefit
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Preferred Elite
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Face 5MIL+: maximum 1 moving violation in 3 yrs; no DUI, reckless driving in 10 yrs nor >1 ever.; face <5MIL: maximum 2 moving violations in 3 Yrs; No DUI, reckless driving in 10 yrs
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Preferred
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Maximum 2 moving violations in 3 yrs; no DUI, reckless driving in 5 yrs
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Standard Select
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Maximum 3 moving violations in 3 yrs; no DUI, reckless driving in 5 yrs
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Standard
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Maximum 3 moving violations in 3 yrs; no DUI, reckless driving in 2 yrs
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Lincoln National
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Preferred Plus
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No more than 2 moving violations in the past 3 yrs. No DUI/DWI or license suspension in the past 5 yrs
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Preferred
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Same
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MetLife
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Elite Plus
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No DWI in last 5 yrs; max 2 moving violations in past 5 yrs
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Preferred Plus
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No DWI in last 5 yrs; max 2 moving violations in past 3 yrs
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Standard Plus
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No DWI in last 5 yrs; max 2 moving violations in past 2 yrs
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Nationwide
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Preferred Plus
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No more than 1 moving violation in past 3 yrs; no DUI/DWI conviction in past 5 yrs
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Preferred
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No more than 2 moving violations in past 3 yrs; no DUI/DWI conviction in past 5 yrs
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North American
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Super Preferred
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Has not had more than 1 moving violation in past 3 yrs, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in past 5 yrs
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Preferred
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Has not had more than 2 moving violations in past 3 yrs, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in past 5 yrs
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Standard Plus
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Has not had more than 3 mvoing violations in past 3 yrs, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in past 5 yrs
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Protective Life
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Select Preferred
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Not available if 2 or more moving violations in past 3 yrs or any DUI or reckless driving in past 5 yrs
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Preferred
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Not available if 3 or more moving violations in past 3 yrs or any DUI or reckless driving in past 5 yrs
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Prudential
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Preferred Best
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No DWI or reckless driving in the last 5 yrs; no license suspension in last 3 yrs; no more than 1 citation for moving violation or MV accident in last 3 yrs
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Preferred
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No DWI or reckless driving in the last 5 yrs; no license suspension in last 3 yrs; no more than 2 citations for moving violation or MV accident in last 3 yrs
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Sun
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Super Preferred
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5 year clear, No DUIs
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Preferred
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5 year non-ratable offenses, No DUIs
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TransAmerica
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Preferred Plus
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No more than 2 moving violations in the past 3 yrs and no convictions for operating a MV while under the influence of alcohol or drugs or reckless driving in the last 5 yrs
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Preferred
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Same
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Standard Plus
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Same
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Union Central
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Preferred Plus
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No DWI or DUI in past 10 yrs; no more than 2 traffic violations in last 3 yrs
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Preferred
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No DWI or DUI in past 5 yrs; no more than 1 traffic violation in last 2 yrs
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Select
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No DWI or DUI in past 3 yrs; no more than 2 traffic violations in last 2 yrs
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United of Omaha
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Preferred Plus
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No convictions for DWI, DUI or reckless driving in the last 5 yrs and no more than 2 moving violations in last 3 yrs
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West Coast Life
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Select Preferred
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Not available if 2 or more moving violations in the last 3 yrs or if any DUI or reckless driving in the last 5 yrs
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Preferred
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Not available if 3 or more moving violations in the last 3 yrs or if any DUI or reckless driving in the last 5 yrs
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Life Insurance 
