12 Sweet Spots

Top 12 Sweet Spots

BETTER THAN STANDARD RATE CLASSES

  1. BUILD – AGES 0-64 WITH BODY MASS INDEX – 33, AGES 65+ WITH BMI – 35
  2. CHOLESTEROL – TREATED OR UNTREATED TOTAL CHOLESTEROL OF 150 – 300
  3. BLOOD PRESSURE – TREATED OR UNTREATED

PREFERRED RATE CLASSES MAY BE AVAILABLE

            4. DEPRESSION/ANXIETY – MILD TO MODERATE DEPRESSION OR ANXIETY STABLE UP TO 2 MEDICATIONS WITH LIMITED TIME OFF WORK

            5. SLEEP APNEA – MILD (10-30) OXYGEN SATURATION BETTER THAN 80%. MODERATE/SEVERE – SUCCESSFUL TREATMENT OF 2 YEARS WITH CPAP

            6. ASTHMA – LESS THAN 2 ATTACKS PER WEEK. STABLE WITH NO COPD, SMOKING, OR HOSPITALIZATIONS.

            7. RHEUMATOID ARTHRITIS – ANKYLOSING SPONDYLITIS ISSUED 18 AND OLDER. PSORIATIC WITH NO EXTRA ARTICULAR SYSTEM AND REMISSION FOR 2 YEARS

            8. GASTROINTESTINAL DISORDERS – ULCERATIVE PROCTITIS – LIMITED TO RECTUM AND SIGMOID COLON FOR 3 YEARS. DRUGS ONLY. NO DYSPLASIA. CROHN’S – NO STEROID USE WITHIN 5 YEARS. NO DYSPLASIA. ULCERATIVE COLITIS – NO DYSPLASIA, CHEMO OR BIOLOGIC DRUG US FOR 5 YEARS.

            9. RECREATIONAL SCUBA DIVING –  DIVING UP TO 100 FEETS. 101 – 125 STANDARD

             10. FOREIGN TRAVEL – PREFERRED AVAILABLE FOR TRAVEL UP TO 4 CONSECUTIVE WEEKS

           11. MILITARY  – NO EXCLUSION FOR MILITARY DUTY. ONLY RATE FOR HAZARDOUS DUTY (EG. DEMOLITION EXPERT). 

             12. AVIATION –  NO FLAT EXTRA AVAILABLE WHO HOLD INSTRUMENT FLIGHT RATING. FLY 26-150 HRS PER YEAR AND ARE BETWEEN ISSUE AGES 20-70

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