MetLife Underwriting Guidelines

#1 Health Class = Elite Plus

#2 Health Class =  Elite

#3 Health Class = Preferred

#1 Health Class = Elite Plus

Blood Pressure: Ages 40 & under:  130/80.  Ages 41-54: 135/85.   Ages 55 -69: 140/85.  Ages 70 & over: 140/90.  Under age 55; No blood pressure medication within the last 12 months.

Cholesterol: Ages 54 & under: 200 /  HDL Ratio 4.5.   Ages 55-69: 230 / HDL Ratio 4.5.   Ages 70 & over: 150-240 / HDL Ratio 5.0.  Current medication OK if acceptable level maintained for at least 12 months for all ages.

Family History: Ages 65 & under – No death from cardiovascular disease of cancer in parent or sibling prior to age 60.  Some cancers may qualify.  A wellness consideration MAY be allowed to offset one early family history death due to cardiovascular disease or cancer.  Not applicable to insureds 66 & older.

Tobacco: No nicotine use  of any form in the past 60 months plus a negative nicotine urine test.

Driving Record: No DWI convictions within past 5 years. Maximum of 1 moving violation  within past 3 years.

#2 Health Class = Elite

Blood Pressure: Age 40 & under: 140/85.   Ages 41-54:  140/85.   Ages 55-69: 140/90.  Ages 70 & over:  145/90.  Under age 41: No medication within the last 12 months.

Cholesterol: Ages 54 & under: 240 / HDL Ratio 5.0.   Ages 55-69: 260/ HDL Ratio 5.5 or 280 / HDL Ratio 5.0.   Ages 70 & over: 150-280 /HDL Ratio  5.5 or 150-300 / HDL Ratio 5.0.  Current medication OK if acceptable level maintained for at least 12 months for all ages.

Family History: Ages 65 & younger –  No death from cardiovascular disease or cancer  in a parent or sibling prior to age 60. Some cancers MAY qualify.  A “wellness” consideration may be allowed for proposed insureds age 50-65 to offset one early family history death due to cardiovascular disease or cancer.  Not applicable to insureds 66 & older.

Tobacco: No use of nicotine in any form for past 36 months and negative nicotine urine test. A celebratory cigar (limited to 4 per year) with negative nicotine urine test qualifies.

Driving Record: No DWI convictions within past 5 years. Maximum of 2 moving violations within past 3 years.

#3 Health Class = Preferred

Blood Pressure: Ages 40 & under: 145/90.   Ages 41-54: 145/90.   Age 55-69: 150/90.   Ages 70 & over: 155/90.   Current medication acceptable for all ages.

Cholesterol: Age 54 & under: 260/ HDL Ratio 6.0 or 280/HDL Ratio 5.5.   Age 55-69: 280/HDL Ratio 6.5 or 300/HDL Ratio 6.0.   Age 70 & over: 150-300/HDL Ratio 7.0 or 150-310/HDL Ratio 6.5.   Current medication acceptable for all ages.

Family History: Ages 65 & Under – No death from cardiovascular disease or cancer in parent or siblings prior to age 60.  Some cancers MAY qualify.   A “wellness” consideration may be allowed for proposed insureds age 40-65 to offset one early family history death due to cardiovascular disease or cancer. Not applicable for insureds 66 & over.

Tobacco: No cigarettes or tobacco substitutes in the past 24 months and negative nicotine urine test.

Driving Record: No DWI convictions within past 5 years. Maximum 3 moving violations within past 3 years.