CARRIER |
RISK CLASS |
DEFINITION |
American General |
Preferred Plus |
1 violation 3 yrs; no DUI, reckless, revocation, suspension 5 yrs |
Preferred |
2 violations 3 yrs; no DUI, reckless, revocation, suspension 5 yrs |
Standard Plus |
2 violations 3 yrs; no DUI, reckless, revocation, suspension 5 yrs |
Standard |
3 violations 3 yrs; no DUI, reckless, revocation, suspension 2 yrs |
Preferred Tobacco |
2 violations 3 yrs; no DUI, reckless, revocation, suspension 5 yrs |
Standard Tobacco |
3 violations 3 yrs; no DUI, reckless, revocation, suspension 2 yrs |
American National |
Preferred Plus |
No DUI/DWI or reckless driving for 5 yrs; no moving violcations >2 in 5 yrs |
Preferred |
No DUI/DWI or reckless driving for 5 yrs; no moving violcations >2 in 3 yrs |
Standard Plus |
No DUI for 5 yrs |
Standard |
No DUI for 2 yrs |
AVIVA |
Premier |
No more than 2 MV in past 3 yrs, no DUI/Reckless in past 5 yrs |
Preferred |
Same |
AXA |
Preferred Elite |
No DWI, reckless driving, MV past 3 yrs < age 44; no >1 mv past 3 yrs ages 45-69; no MV past 2 yrs ages 70+ |
Preferred |
No DWI, reckless driving in 5 yrs; no >1 MV past 3 yrs < age 44 no >2 MV past 3 yrs ages 45-69; no MV in 2 yrs ages 70+ |
Standard Plus |
No DWI, reckless driving in 3 yrs; no> 2 MV past 3 yrs < age 44 no >3 MV past 3 yrs ages 45-69; no MV in 2 yrs age 70+ |
Genworth |
Preferred Best |
No DWI, DUI, reckless driving, revocation or suspension in last 5 yrs |
Preferred |
No DWI, DUI, reckless driving, revocation or suspension in last 5 yrs |
Select |
No DWI, DUI, reckless driving, revocation or suspension in last 3 yrs |
Standard |
No DWI, DUI, reckless driving, revocation or suspension in last 2 yrs |
Guardian |
Preferred Plus NT |
No more than 2 moving violations in 5 years; no DUI/DWI in 5 years |
Preferred NT |
No more than 2 moving violations in 5 years; no DUI/DWI in 5 years |
ING |
Super Preferred |
No DWI/DUI or reckless driving in the past 5 yrs and no more than 2 moving violations in the past 3 yrs |
Preferred |
Same |
Select |
Same |
John Hancock |
Super Preferred |
No driving while intoxicated or reckless driving conviction in the last 10 yrs and no more than one conviction ever; ages 71+ no moving violations in the past 2 yrs |
Preferred |
No driving while intoxicated or reckless driving conviction in the last 5 yrs and no more than one conviction ever; ages 71+ no more than 1 moving violation in the last 2 yrs |
Lincoln Benefit |
Preferred Elite |
Face 5MIL+: maximum 1 moving violation in 3 yrs; no DUI, reckless driving in 10 yrs nor >1 ever.; face <5MIL: maximum 2 moving violations in 3 Yrs; No DUI, reckless driving in 10 yrs |
Preferred |
Maximum 2 moving violations in 3 yrs; no DUI, reckless driving in 5 yrs |
Standard Select |
Maximum 3 moving violations in 3 yrs; no DUI, reckless driving in 5 yrs |
Standard |
Maximum 3 moving violations in 3 yrs; no DUI, reckless driving in 2 yrs |
Lincoln National |
Preferred Plus |
No more than 2 moving violations in the past 3 yrs. No DUI/DWI or license suspension in the past 5 yrs |
Preferred |
Same |
MetLife |
Elite Plus |
No DWI in last 5 yrs; max 2 moving violations in past 5 yrs |
Preferred Plus |
No DWI in last 5 yrs; max 2 moving violations in past 3 yrs |
Standard Plus |
No DWI in last 5 yrs; max 2 moving violations in past 2 yrs |
Nationwide |
Preferred Plus |
No more than 1 moving violation in past 3 yrs; no DUI/DWI conviction in past 5 yrs |
Preferred |
No more than 2 moving violations in past 3 yrs; no DUI/DWI conviction in past 5 yrs |
North American |
Super Preferred |
Has not had more than 1 moving violation in past 3 yrs, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in past 5 yrs |
Preferred |
Has not had more than 2 moving violations in past 3 yrs, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in past 5 yrs |
Standard Plus |
Has not had more than 3 mvoing violations in past 3 yrs, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in past 5 yrs |
Protective Life |
Select Preferred |
Not available if 2 or more moving violations in past 3 yrs or any DUI or reckless driving in past 5 yrs |
Preferred |
Not available if 3 or more moving violations in past 3 yrs or any DUI or reckless driving in past 5 yrs |
Prudential |
Preferred Best |
No DWI or reckless driving in the last 5 yrs; no license suspension in last 3 yrs; no more than 1 citation for moving violation or MV accident in last 3 yrs |
Preferred |
No DWI or reckless driving in the last 5 yrs; no license suspension in last 3 yrs; no more than 2 citations for moving violation or MV accident in last 3 yrs |
Sun |
Super Preferred |
5 year clear, No DUIs |
Preferred |
5 year non-ratable offenses, No DUIs |
TransAmerica |
Preferred Plus |
No more than 2 moving violations in the past 3 yrs and no convictions for operating a MV while under the influence of alcohol or drugs or reckless driving in the last 5 yrs |
Preferred |
Same |
Standard Plus |
Same |
Union Central |
Preferred Plus |
No DWI or DUI in past 10 yrs; no more than 2 traffic violations in last 3 yrs |
Preferred |
No DWI or DUI in past 5 yrs; no more than 1 traffic violation in last 2 yrs |
Select |
No DWI or DUI in past 3 yrs; no more than 2 traffic violations in last 2 yrs |
United of Omaha |
Preferred Plus |
No convictions for DWI, DUI or reckless driving in the last 5 yrs and no more than 2 moving violations in last 3 yrs |
West Coast Life |
Select Preferred |
Not available if 2 or more moving violations in the last 3 yrs or if any DUI or reckless driving in the last 5 yrs |
Preferred |
Not available if 3 or more moving violations in the last 3 yrs or if any DUI or reckless driving in the last 5 yrs |
