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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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

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