For the most up to date details about Prudential Life Insurance Health Classes & Underwriting Guidelines, Call: (888) 681-4952
Top 3 Health Classes
#1 Health Class = Preferred Best
#2 Health Class = Preferred
#3 Health Class = Non-smoker Plus
#1 Health Class = Preferred Best
Blood Pressure:
Up to 130/80 for ages up to 49. Up to 135/85 for ages 50 and over. Without medication.
Cholesterol:
Cholesterol/HDL ratio 5 or less. With or without medication.
Family History:
No death of parents or siblings from Coronary Artery Disease, Cerebrovascular Disease or cancer prior to age 60. Cancer limited to those with a high family risk – breast, colon, melanoma, ovarian, pancreas, prostate and stomach.
Tobacco:
No tobacco or nicotine use within last 5 years.
Driving Record:
No DWI or reckless driving within the last 5 years. No license suspension within the last 3 years. No more than 1 citation for moving violation or motor vehicle accident within the last 3 years.
#2 Health Class = Preferred
Blood Pressure:
Up to 135/85 for ages up to 49. Up to 140/90 for ages 50 and over. With or without medication.
Cholesterol:
Cholesterol/HDL ratio 6 or less. With or without medication.
Family History:
No death of more than one parent from Coronary Artery Disease, Cerebrovascular Disease, or cancer prior to age 60. Cancer limited to those with a high family risk – breast, colon, melanoma, ovarian, pancreas, prostate and stomach.
Tobacco:
No tobacco or nicotine use within last 3 years.
Driving Record:
No DWI or reckless driving within the last 5 years. No license suspension within the last 3 years. No more than 2 citations for moving violation or motor vehicle accidents within the last 3 years.
#3 Health Class = Standard (Non-Smoker) Plus
Blood Pressure:
Up to 140/90 for ages up to 49. Up to 145/90 for ages 50 and over. With or without medication.
Cholesterol:
Cholesterol/HDL ratio 7 or less. With or without medication.
Family History:
No Specific Criteria.
Tobacco:
No cigarettes within last 12 months. May smoke cigars, pipe or chew tobacco.
Driving Record:
Actual driving history will be evaluated to determine qualification for this class.
Height & Weight Limits:
Other Factors That Will Effect 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 Prudential Life Insurance Health Classes & Underwriting Guidelines, Call: (888) 681-4952
The Bottom Line?
If you have any questions about how Health Classes and Underwriting Guidelines impact the cost of your Life Insurance Policy, we’re here to help.
We can help you know what to expect and determine the best fit for you— based on your goals, your individual circumstances, and your budget.
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