North American Underwriting Guidelines



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North_American

 

NORTH AMERICAN COMPANY FOR LIFE & HEALTH UNDERWRITING GUIDELINES

TOP 2 HEALTH CLASSES

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#1 Health Class = Super Preferred

Blood Pressure: Ages 50 and below – Has blood pressure that is 135/85 or better, without treatment, from all sources.  Ages 51-60: Has blood pressure that is 140/85 or better, without treatment, from all sources.  Ages 61-70: Has blood pressure that is 145/85 or better without treatment from all sources.  Ages 71 and over: Has blood pressure that is 150/85 or better, without treatment from all sources and no pulse pressure greater than 75

Cholesterol: Ages 70 and under: Has a cholesterol count with or without treatment –  220 or less, with a total cholesterol/HDL ratio of 4.5 or less.  Ages 71 and over: Has a cholesterol count, with or without treatment – 150-250, with a HDL of at least 45.

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Family History: Has not had a natural parent or sibling diagnosed with, or die from, coronary artery disease or cancer prior to age 60.  Not applicable for age 71 & older

Tobacco: Has not used tobacco or nicotine, in any form in the past 5 years. Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine specimen is negative for nicotine by-products

Driving Record: Has not had more than 1 moving violation in the past 3 years, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in the past 5 years

#2 Health Class = Preferred

Blood Pressure: Ages 50 and below: Has blood pressure that is 140/85 or better, with or without treatment, from all sources.  Ages 51-60: Has blood pressure that is 145/85 or better, with or without treatment, from all sources.  Ages 61-70: Has blood pressure that is 145/90 or better with or without treatment from all sources.  Ages 71 and over: Has blood pressure that is 150/90 or better, with or without treatment from all sources and no pulse pressure greater than 75

Cholesterol: Ages 70 and under: Has a cholesterol count with or without treatment – 240 or less, with a total cholesterol/HDL ratio of 5.5 or less.  Ages 71 and over: Has a cholesterol count with or without treatment – 150-260, with a HDL of at least 40.

Family History: ·Has not had a natural parent die from coronary artery disease or cancer prior to age 60.  Not applicable for age 71 & older.

Tobacco:  Has not used tobacco or nicotine, in any form, in the past 3 years. Occasional cigar (up to 12 per year) is acceptable if  admitted on the application and urine specimen is negative for nicotine by-products

Driving Record: Must not have more than two moving violations in the past three years or a DWI, DUI or reckless driving conviction or non-administrative license suspension in the 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 North American health classes & underwriting guidelines call (888) 681-4952

Understanding Underwriting Guidelines

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Written by:  Chris Lalor

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