American General Life Underwriting Guidelines



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TOP 4 HEALTH CLASSES AMERICAN GENERAL LIFE

  1. Preferred Plus
  2. Preferred
  3. Standard Plus
  4. Standard

The American General Life Insurance Company underwriting guidelines for the health classes below are subject to change.  Call 888-681-4952 for the latest updates

PREFERRED PLUS

Blood Pressure –   Ages 0-60: 135/85 – Ages  61+ 140/85  No blood pressure treatment

Cholesterol – 205 –  if HDL < or = to 5.0 | 260 If HDL < or = to 4.5

Family History – No cardiovascular disease or cancer prior to age 60 (parents only)

Tobacco Definition – None in last 5 years

Motor Vehicle Report – 1 violation in past 3 years;  No DUI, reckless, revocation or suspension in last 5 years

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PREFERRED

Blood Pressure –  Ages 0-60: 140/85 – Ages 61+ 150/85  Or Preferred Plus BP reading with medication

Cholesterol – 235 if HDL < or = to 6.0.  280 if  HDL < or = to 5.5

Family History – No cardiovascular or cancer death prior to age 60 (parents only)

Tobacco Definition – None in last 3 years

Motor Vehicle Report – 1 violation in past 3 years;  No DUI, reckless, revocation or suspension in last 5 years


STANDARD PLUS

Blood Pressure –   Ages 0-60: 145/88 – Ages  61+: 155/88  Or Pref. Non-Tobacco BP reading w/treatment

Cholesterol –  250 if HDL < or = to 7.0, | 280 if HDL < or = to 6.5

Family History – One cardiovascular or cancer death prior to age 60 (parents only)

Tobacco Definition – None in last 1 years

Motor Vehicle Report – 2 violation in past 3 years;  No DUI, reckless, revocation or suspension in last 5 years

STANDARD

Blood Pressure –  Ages 0-60: 145/88 – Ages  61+: 155/88 Or Pref. NT BP reading w/treatment

Cholesterol – 250 if HDL >7.0 | 280 if HDL >6.5

Family History – One cardiovascular or cancer death prior to age 60 (parents only)

Tobacco Definition – None in last 1 years

Motor Vehicle Report – 2 violation in past 3 years;  No DUI, reckless, revocation or suspension in last 5 years

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Pre-existing health conditions? 

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Click on image below to enlarge height and weight chart…

American_General_Life_Build_Chart

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OTHER FACTORS THAT WILL EFFECT THE HEALTH CLASS

  • Aviation
  • Scuba Diving, Sky Diving, Motor Racing or any other hazardous sports or activities
  • Hazardous Occupations
  • Foreign Travel
  • Residence | Citizenship
  • Alcohol | Drug History

For the most up to date details about American General Life health classes & underwriting guidelines call (888)681-4952

Understanding Health Classifications



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Written by:  Chris Lalor

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