Nicotine Underwriting Guidelines |
TOBACCO - NO CIGARETTES |
PREFERRED TOBACCO |
STANDARD TOBACCO |
| Nicotine Use |
Use of tobacco products other than cigarettes (i.e. pipe/cigar smoking), is acceptable |
Any usage of nicotine |
Any usage of nicotine |
| Cholesterol Cholesterol/HDL Ratio |
Can not exceed 230
Less than 6.5 |
Can not exceed 230
Less than 6.5
|
Can not exceed 280
Less than 7.5 |
| Blood Pressure
Blood Pressure Reading |
No history of blood pressure treatment
Current and past amounts of less than:
140/85 - ages18-60
150/90 - ages 61 & over |
A history of blood pressure treatment will depend on severity
Current and past amounts of less than:
150/90 - ages 18-60
154/90 - ages 61 & over |
Blood pressure treatment may be acceptable if controlled
Average levels in the past 2 years of less than:
150/90 - ages 18-45
155/95 - ages 61 & over |
| Cancer History |
No cancer history allowed (except basal cell carcinoma) |
No cancer history allowed (except basal cell carcinoma) |
A history of cancer may or may not be acceptable |
| Family History |
No cardiovascular/ cancer death of any parent or sibling before age 60 |
No cardiovascular/ cancer death of any parent or sibling before age 60 |
No more than 1 cardiovascular or cancer death of parents before age 60 |
| Driving Record |
No more than 1 moving violation in the past 2 years. No record of DUI or reckless driving |
No more than 1 moving violation in the past 2 years. No record of DUI or reckless driving in the past 5 years |
No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years |
| Alcohol and Substance Abuse |
No history of alcohol or substance abuse |
No history of alcohol or substance abuse |
No alcohol or substance abuse in the past 7 years |
| Mental Illness/ Depression |
No history of mental illness or depression |
No history of mental illness or depression |
A history of mental illness or depression may or may not be acceptable |
| Personal History |
No personal history of any health conditions including but not limited to: cancer or melanoma, heart or vascular disease, diabetes, disorder of lungs, liver, kidney or mental/nervous disorder, seizure disorder, rheumatoid arthritis, stroke, gastric/diveptic ulcer, ulcerative colitus and asthma |
No personal history of any health conditions including but not limited to: cancer or melanoma, heart or vascular disease, diabetes, disorder of lungs, liver, kidney or mental/nervous disorder, seizure disorder, rheumatoid arthritis, stroke, gastric/diveptic ulcer, ulcerative colitus and asthma |
Can have personal history of certain diseases |
| Avocation |
May participate in some hazardous activities (e.g., powered vehicle racing, hang-gliding, ultralight, skydiving, mountain climbing, rodeos or scuba diving) within the past two years |
May participate in some hazardous activities (e.g., powered vehicle racing, hang-gliding, ultralight, skydiving, mountain climbing, rodeos or scuba diving) within the past two years |
May participate in some hazardous activities (e.g., powered vehicle racing, hang-gliding, ultralight, skydiving, mountain climbing, rodeos or scuba diving) within the past two years |
