Minnesota Life Underwriting Guidelines



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Minnesota_Life

MINNESOTA LIFE UNDERWRITING GUIDELINES

TOP 2 HEALTH CLASSES

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#1 Health Class = Preferred Select

Blood Pressure: Must be better than or equal to 135/85, with or without treatment.

Cholesterol: Cholesterol level of 240 or less. Cholesterol/HDL ratio must be less than or equal to 5.0.

Family History: No death of a parent or sibling before age 60, due to diabetes, heart disease, cerebrovascular disease or cancer.

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Tobacco: No tobacco or nicotine use in the past 36 months for Preferred Select. Nicotine (cotinine) reading on specimen must be negative.

Driving Record: No DWI, DUI, reckless driving or careless driving in the past 10 years.  No more than two moving violations in the past 5 years.

#2 Health Class = Preferred

Blood Pressure: Must be better than or equal to 145/90, with or without treatment.

Cholesterol: Cholesterol level of 260 or less. Cholesterol/HDL ratio must be less than or equal to 6.0.

Family History: No death of a parent or sibling before age 60, due to diabetes, heart disease or cerebrovascular disease.

Tobacco: No tobacco or nicotine use in the past 12 months. Nicotine (cotinine) reading on specimen must be negative.

Driving Record: No DWI, DUI, reckless driving or careless driving in the past 5 years. No more than two moving violations in the past 3 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 Minnesota Life health classes & underwriting guidelines call (888) 681-4952

Understanding Underwriting Guidelines

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Written by:  Chris Lalor

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