To qualify for Preferred, the proposed insured must meet additional selection criteria which are established through a series of questions listed below:

• Have you used any form of tobacco in the past 24 months (to qualify for Preferred Non Tobacco class only)?
• Have you participated in any hazardous sport or avocation within the past 24 months?
• Are you a private pilot with less than 500 solo hours; or do you fly more than 250 hours per year; or do you fly in other than conventional aircraft (jet/prop)?
• Have you been charged with two or more traffic violations within 24 months or have you been convicted of driving under the influence of alcohol or any other drug within the past 5 years?
• Have you sought or received treatment for alcohol or drug abuse within the last 10 years?
• Has a member of your immediate family been diagnosed or died of coronary artery, cerebral vascular disease, or diabetes prior to age 60?
• Does your height and weight exceed the Preferred limits?
• Have you ever had or been told by a doctor that you had cancer, diabetes, heart disease or an abnormal EKG?
• Based on your age, does your total cholesterol exceed the following limits? 
              Age 20-40: 230 mg/dl 
              Age 41-55: 250 mg/dl
              Age 56-up: 270 mg/dl

• Does your Cholesterol/HDL Ratio exceed 5.5 ?

• Is your blood pressure higher than 140/85? (If over age 55, 150/90?)

• Have you been convicted of a felony in the past 5 years?

  
  If all answers are “no” and the evidence of insurability submitted with the application is favorable, the policy will be issued as Preferred.