Lincoln National Life – Sample Underwriting Guidelines

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

Top 2 Health Classes

#1 Health Class = Preferred Plus

#2 Health Class =  Preferred

#1 Health Class = Preferred Plus

Blood Pressure: 
Up to age 69 – Treated or untreated hypertension with a 12 month average of 130/80 or lower.  Age 70 and up –  Treated or untreated hypertension with a 12 month average of 140/90 or lower

Cholesterol: 
Minimum untreated cholesterol – 125.  Maximum cholesterol – 300.   Up to age 69 – Treated or untreated readings –  – Cholesterol/HDL ration < or = 5.0.   Age 70 and up –  Treated or untreated readings – Cholesterol/HDL ration < or = 5.5.

Family History: 
Up to age 69 – No deaths of parents or siblings prior to age 65 due to cardiovascular disease.  Age 70 and up – Disregard family history of cardiovascular disease.

Tobacco: 
No tobacco or nicotine products in the past 36 months. Occasional cigar use of up to 12  cigars a year with a urinalysis negative for nicotine.

Driving Record: 
No more than 3 moving violations in the past 3 years. No DUI or license suspension in past 5 years.

#2 Health Class = Preferred

Blood Pressure: 
Up to age 69 – Treated or untreated hypertension with a 12 month average of 140/90 or lower.   Age 70 and up –  Treated and untreated hypertension with a 12 month average of 155/90 or lower.

Cholesterol: 
Minimum untreated cholesterol – 125.  Maximum cholesterol – 300.  Up to age 69 – Treated or untreated readings Cholesterol/HDL ration< or = to 6.0.   Age 70 and up – Treated or untreated readings Cholesterol HDL/ration < or = to 7.0.

Family History: 
Up to age 69 – No deaths of parents or sibling prior to age 60 due to cardiovascular disease.  Age 70 and up – Disregard family history of cardiovascular disease.

Tobacco: 
No tobacco or nicotine in any form in the past 24 months.  Occasional cigar use of up to 24 cigars a year with a urinalysis  negative for nicotine.

Driving Record: 
No more than 3 moving violations in the past 3 years.  No DUI or license suspension in past 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 Lincoln National 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 help you make an informed decision— based on your individual circumstances, your health, and your budget.

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Understanding Life Insurance Health Classes – Risk Classifications – Underwriting Guidelines