PRINCIPAL NATIONAL LIFE UNDERWRITING GUIDELINES
TOP 2 HEALTH CLASSES
#1 Health Class = Super Preferred
#2 Health Class = Preferred
#1 Health Class = Super Preferred
Blood Pressure: Use insurance exam average if no hypertension treatment. Use 12 month average if hypertension history. Cannot exceed: 140/83 at ages 20-44. 145/85 at ages 45-64. 150/90 at ages 65-85.
Get a Quote from Our Best Priced Company
Cholesterol: Medication may be disregarded. No super preferred if Cholesterol/HDL is 5.0+.
Family History: Includes parents & siblings. Cardiovascular defined as: Coronary Artery Disease, Peripheral Vascular Disease, Stroke and Transient Ischemic Attack. No death prior to age 65 of: Cardiovascular Disease – Breast Cancer – Colon Cancer – Ovarian Cancer – Prostate Cancer – Diabetes. Disregard cancer of opposite sex except for colon cancer. Family history not considered for applicants aged 71+.
Tobacco: Tobacco use includes any tobacco or nicotine product (i.e. cigar, patch, gum & marijuana) – No tobacco use for past five years to qualify for Super Preferred.
Driving Record: No more than two moving violations in the past 3 years. No driving under the influence or reckless driving in 5 years.
[maxbutton id=”17″ text=”COMPARE PRINCIPAL PRICES”]
#2 Health Class = Preferred
Blood Pressure: Use insurance exam average if no hypertension treatment. Use 12 month average if hypertension history. Cannot exceed: 150/85 at ages 20-44. 155/90 at ages 45-64. 160/92 at ages 65-85.
Cholesterol: Medication may be disregarded. No preferred if Cholesterol/HDL is 7.0+.
Family History: Includes parents & siblings. Cardiovascular defined as: Coronary Artery Disease, Peripheral Vascular Disease, Stroke and Transient Ischemic Attack. No death prior to age 65 of: Cardiovascular Disease – Breast Cancer – Colon Cancer – Ovarian Cancer – Prostate Cancer – Diabetes. Disregard cancer of opposite sex except for colon cancer. Family history not considered for applicants aged 71+.
Tobacco: Tobacco use includes any tobacco or nicotine product (i.e. cigar, patch, gum & marijuana) – Celebratory cigar use of 12 or fewer in prior 12 months and a negative test will qualify at Non Tobacco rates. No other tobacco use for: 2 years ages – 20-70. 3 years ages 71-85.
Driving Record: No more than two moving violations in the past 3 years. – No driving under the influence or reckless driving in 5 years.
Height & Weight Limits
Pre-existing health conditions?
Don't worry. AIG Direct specializes in insuring people just like you. From high blood pressure to diabetes, AIG Direct has seen it all and has the absolute lowest rates. Click below to see if you qualify.
Quotes are quick, easy, and free!
Check Life Insurance Off Your To-Do List
Our top 10 picks for quick, convenient life insurance coverage. Our favorites are the "no-exam plans" with great rates up to age 60.
Quotes are quick, easy, and free!
(Click on image to enlarge)
[maxbutton id=”17″ text=”COMPARE PRINCIPAL PRICES”]
_____________________________________________
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 Principal National Life health classes & underwriting guidelines call (888) 681-4952

Save Up to 55% on Term Life Insurance
Quotes are quick, easy, and free!