American General Life – Sample Underwriting Guidelines

AIG Life & Retirement is now Corebridge Financial. This milestone does not create any changes in the products, policies or contracts that you, or those you serve, have with us. Our issuing life insurance companies will remain the same—American General Life Insurance Company, The United States Life Insurance Company in the City of New York, and The Variable Annuity Life Insurance Company (VALIC). Please know that you may see—at least for a time—both the Corebridge and AIG brands on our materials and websites.

Terri N. Fiedler,
President of Financial Distributors,
Corebridge Financial

For the most up to date details about American General Life Insurance Health Classes & Underwriting Guidelines, Call: (888) 681-4952

Top 4 Health Classes

1. Preferred Plus
2. Preferred
3. Standard Plus
4. Standard

#1 Health Class = Preferred Plus

Blood Pressure: 
Ages 0-60: 135/85
Ages  61+ 140/85 
No blood pressure treatment

Cholesterol: 
205 –  if HDL < or = to 5.0
260 If HDL < or = to 4.5

Family History:
No cardiovascular disease or cancer prior to age 60 (parents only)

Tobacco Definition: 
None in last 5 years

Motor Vehicle Report :
1 violation in past 3 years; 
No DUI, reckless, revocation or suspension in last 5 years

#2 Health Class = Preferred

Blood Pressure:  
Ages 0-60: 140/85
Ages 61+ 150/85  (or Preferred Plus BP reading with medication)

Cholesterol:
235 if HDL < or = to 6.0 
280 if  HDL < or = to 5.5

Family History: 
No cardiovascular or cancer death prior to age 60 (parents only)

Tobacco Definition: 
None in last 3 years

Motor Vehicle Report: 
1 violation in past 3 years; 
No DUI, reckless, revocation or suspension in last 5 years

#3 Health Class = Standard Plus

Blood Pressure:    
Ages 0-60: 145/88
Ages  61+: 155/88  (or Pref. Non-Tobacco BP reading w/treatment)

Cholesterol: 
250 if HDL < or = to 7.0
280 if HDL < or = to 6.5

Family History:  
One cardiovascular or cancer death prior to age 60 (parents only)

Tobacco Definition: 
None in last 1 years

Motor Vehicle Report:  
2 violation in past 3 years; 
No DUI, reckless, revocation or suspension in last 5 years

#4 Health Class = Standard

Blood Pressure:  
Ages 0-60: 145/88
Ages  61+: 155/88 (or Pref. NT BP reading w/treatment)

Cholesterol: 
250 if HDL >7.0
280 if HDL >6.5

Family History: 
One cardiovascular or cancer death prior to age 60 (parents only)

Tobacco Definition: 
None in last 1 years

Motor Vehicle Report:  
2 violation in past 3 years; 
No DUI, reckless, revocation or suspension in last 5 years

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 American General 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.

We always recommend getting at least 2 or 3 competitive quotes, for comparison purposes; before you buy. You can get started on that, right here…