Guidelines	Preferred Plus	Preferred	Regular/Standard
Family	No cancer or cardiovascular deaths of either parent before age 60.	No cancer or cardiovascular death of either parent before age 60.	No more than 1 cancer or cardiovascular death of parents before age 60.
Blood pressure	140/85	150/90	155/95
Cholesterol Levels	Under 210, HDL less than 5.0	Under 240, HDL less than 6.5	Under 280, HDL less than 8.0
Health History	No history of major health conditions, such as cancer, diabetes, heart disease, etc.	No history of major health conditions, such as cancer, diabetes, heart disease, etc.	Some major health conditions allowed.
Driving History	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving.	No more than 2 moving violations in the past 3 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.
Tobacco	No use of nicotine products in the past 3 years.	No use of nicotine products in the past 3 years, also preferred smoker rates available.	No use of nicotine products in the past year, also standard smoker rates available.
Substance/Alcohol 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.
Aviation	Available with additional rider	Available with additional rider	Available with additional rider