Select Non Tobacco Rate Class Criteria:
To qualify for Select Non Tobacco, the proposed insured must meet additional selection criteria which are established through a series of questions listed below:

Have you used tobacco in the last 12 months? The only exception is the occasional celebratory cigar (not more than 6 cigars a year) with a negative HOS for nicotine findings.

Are you a private pilot with less than 350 solo hours or flying more than 250 hours per year; or do you fly other than conventional aircraft (jet/prop)?

Have you been charged with three or more traffic violations within 24 months or have you been convicted of driving under the influence of alcohol within the past 3 years?

Have you sought or received treatment for alcohol or drug abuse within the last 8 years?

Has a member of your immediate family died of or been diagnosed with coronary artery, cerebral vascular disease or diabetes prior to age 60?

Does you weight exceed the limit for your height according to the Select Build 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 cholesterol exceed the following limits?
             Age 20-40: 245 mg/dl
             Age 41-55: 265 mg/dl
             Age 56-up: 285 mg/dl

Does your Cholesterol/HDL ratio exceed 6.5?

Is your blood pressure higher than 150/90?

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