Preferred rate underwriting criteria

To qualify for the Preferred rate class, you must apply for $100,000 or more of coverage and satisfy these and other Underwriting requirements:

• No ratable health impairments
• No history of high blood pressure
• No death from cardiovascular disease among parents or siblings prior to age 60
• No use of nicotine for 1 year
• Cholesterol within guidelines

If you don't qualify as Preferred, you may be offered Standard rates.

Members with Preferred rates will be asked to re-qualify for preferred rates every 10 years.