Principal National Life Underwriting Guidelines



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Principal

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.

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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.

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#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



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Height_&_Weight_Voya_Financial_Principal_National_Life

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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 Principal National Life health classes & underwriting guidelines call (888) 681-4952

Understanding Underwriting Guidelines

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Written by:  Chris Lalor

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