Lincoln National Underwriting Guidelines



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 LINCOLN NATIONAL LIFE UNDERWRITING GUIDELINES


TOP 2 HEALTH CLASSES

 

#1 Health Class = Preferred Plus

#2 Health Class =  Preferred

 

#1 Health Class = Preferred Plus

Blood Pressure: Up to age 69 – Treated or untreated hypertension with a 12 month average of 130/80 or lower.  Age 70 and up –  Treated or untreated hypertension with a 12 month average of 140/90 or lower

Cholesterol: Minimum untreated cholesterol – 125.  Maximum cholesterol – 300.   Up to age 69 – Treated or untreated readings –  – Cholesterol/HDL ration < or = 5.0.   Age 70 and up –  Treated or untreated readings – Cholesterol/HDL ration < or = 5.5.

On Health IQ's site.  Health IQ is a licensed Lincoln Financial Group Life Insurance partner.

Family History: Up to age 69 – No deaths of parents or siblings prior to age 65 due to cardiovascular disease.  Age 70 and up – Disregard family history of cardiovascular disease.

Tobacco: No tobacco or nicotine products in the past 36 months. Occasional cigar use of up to 12  cigars a year with a urinalysis negative for nicotine.

Driving Record: No more than 3 moving violations in the past 3 years. No DUI or license suspension in past 5 years.

#2 Health Class = Preferred

Blood Pressure: Up to age 69 – Treated or untreated hypertension with a 12 month average of 140/90 or lower.   Age 70 and up –  Treated and untreated hypertension with a 12 month average of 155/90 or lower.

Cholesterol: Minimum untreated cholesterol – 125.  Maximum cholesterol – 300.  Up to age 69 – Treated or untreated readings Cholesterol/HDL ration< or = to 6.0.   Age 70 and up – Treated or untreated readings Cholesterol HDL/ration < or = to 7.0.

Family History: Up to age 69 – No deaths of parents or sibling prior to age 60 due to cardiovascular disease.  Age 70 and up – Disregard family history of cardiovascular disease.

Tobacco: No tobacco or nicotine in any form in the past 24 months.  Occasional cigar use of up to 24 cigars a year with a urinalysis  negative for nicotine.

Driving Record: No more than 3 moving violations in the past 3 years.  No DUI or license suspension in past 5 years.

Height & Weight Limits



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(Click image to enlarge)

Height_&_Weight_Chart.__Lincoln_National_Life

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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 Lincoln National Life health classes & underwriting guidelines call (888) 681-4952

Understanding Underwriting Guidelines

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Written by:  Chris Lalor

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