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
Pre-existing health conditions?
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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
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