Voya / ING Underwriting Guidelines

#1 Health Class = Super Preferred

Blood Pressure: Ages 16-60 – No current or prior blood pressure reading in excess of: Male: 135/90 – Female: 135/85.   No history of treatment for hypertension.  Ages 61+ –  Average of past 2 years blood pressure readings not in excess of 140/95 plus no pulse pressure greater than 70.

Cholesterol: Ages 16-60 – Treated or untreated – Cholesterol Max 300.  Maximum HDL Ratio  Male 5.0 / Female 4.5.   Ages 61+ Treated or untreated – Cholesterol Max 300.  Maximum HDL Ratio Male 6.0 / Female 5.5.  Minimum Serum Albumin Male 4.0 / Female 3.9

Family History: Ages 16-60 – No cardiovascular deaths in parents prior to age 65.

Tobacco:  No tobacco or nicotine use for 5 years.

Driving Record: Ages 16-70 – No DWI/DUI or reckless driving in the past 5 years and no more than 2 moving violations within the past 3 years.  Age 71+ – No history of accidents, reckless driving, or revocation of license in past 10 years.

#2 Health Class = Preferred

Blood Pressure: Ages 16-60 – No current or prior blood pressure reading in excess of: Male: 140/90 – Female: 135-90. Treated well controlled hypertensives with pretreatment levels exceeding the above limit may be considered.  Ages 61+ – Average of past 2 years blood pressure readings not in excess of 145/100 plus no pulse pressure greater than 75.

Cholesterol: Ages 16-60 – Treated or untreated – Cholesterol Max 300.  Maximum HDL Ratio Male 5.5 / Female 5.2.  Ages 61+ – Treated or untreated – Cholesterol Max 300.  Maximum HDL Ratio Male 6.5 / Female 6.2.  Minimum Serum Albumin Male 3.8 / Female 3.7

Family History: Ages 16-60 – No cardiovascular deaths in parents prior to age 60.

Tobacco:  No tobacco or nicotine use for 3 years.

Driving Record: Ages 16-70 – No DWI/DUI or reckless driving in the past 5 years and  no more than 2 moving violations within  the past 3 years.  Age 71+ – No history of accidents, reckless driving, or revocation of license in past 10 years.

#3 Health Class = Select

Blood Pressure: Ages 16-60 –  No current or prior blood pressure reading in excess of: Male: 145/95 – Female: 140/95.  Treated well controlled hypertensives with pretreatment levels exceeding the above limit may be considered.   Ages 61+ – Average of past 2 years blood pressure readings not in excess of  145/100.

Cholesterol: Ages 16-60 –  Treated or untreated – Cholesterol Max 300.  Maximum HDL Ratio Male 6.0 / Female 6.0. Ages 61+ – Treated or untreated – Cholesterol Max 300.  Maximum HDL Ratio Male 7.0 / Female 7.0

Family History: Ages 16-60 – No more than one cardiovascular death in parents prior to age 60

Tobacco:  No tobacco or nicotine use for 2 years.

Driving Record: Ages 16-60 – No DWI/DUI or reckless driving in the past 5 years and no more than 2 moving violations within the past 3 years.  Age 71+ – No history of accidents, reckless driving, or revocation of  license in past 10 years.

Height & Weight Limits