Age last birthday advantage

Occasional cigar users (one per month or less) can qualify for Standard Plus Non-Tobacco if there is a negative urinalysis test

Non-Tobacco usage is considered for our Standard Plus and Standard classes with 12 months of non tobacco usage

Tobacco users can qualify for Standard Plus tobacco class

Verified occasional marijuana use is allowed at Standard Non-Tobacco rates

Family history qualifications apply only to "deaths" rather than "disease"

Preferred and Standard Plus is allowed with a family history of deaths due to cancer

Family History qualifications do not apply if the proposed insured is 65 or older for Preferred Plus, Preferred and Standard Plus classes

Treatment for cholesterol or hypertension does not exclude a proposed insured from our Preferred, Preferred Plus or Standard Plus Classes

Build charts are unisex rather than sex distinct

Commercial pilots for regularly scheduled passenger airlines can qualify for all preferred classes

Private pilots can qualify for Preferred Plus, Preferred or Standard Plus classes with aviation exclusion rider (AER)