#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.
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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 Plus
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.
Pre-existing health conditions?
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#3 Health Class = Standard 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
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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 Prudential Life Insurance Life Insurance Company’s health classes & underwriting guidelines call (888) 681-4952
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Underwriting guidelines vary from one insurer to another. It is good that you have brought the topic up company-specifically. This will help buyers make educated decisions.