North American Life - Sample Underwriting Guidelines

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Top 2 Health Classes

#1 Health Class = Super Preferred

#2 Health Class = Preferred

#1 Health Class = Super Preferred

Blood Pressure:
Ages 50 and below – Has blood pressure that is 135/85 or better, without treatment, from all sources. Ages 51-60: Has blood pressure that is 140/85 or better, without treatment, from all sources. Ages 61-70: Has blood pressure that is 145/85 or better without treatment from all sources. Ages 71 and over: Has blood pressure that is 150/85 or better, without treatment from all sources and no pulse pressure greater than 75

Cholesterol:
Ages 70 and under: Has a cholesterol count with or without treatment – 220 or less, with a total cholesterol/HDL ratio of 4.5 or less. Ages 71 and over: Has a cholesterol count, with or without treatment – 150-250, with a HDL of at least 45.

Family History:
Has not had a natural parent or sibling diagnosed with, or die from, coronary artery disease or cancer prior to age 60. Not applicable for age 71 & older

Tobacco:
Has not used tobacco or nicotine, in any form in the past 5 years. Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine specimen is negative for nicotine by-products

Driving Record:
Has not had more than 1 moving violation in the past 3 years, or a DWI, DUI or reckless driving conviction or non-administrative license suspension in the past 5 years

#2 Health Class = Preferred

Blood Pressure:
Ages 50 and below: Has blood pressure that is 140/85 or better, with or without treatment, from all sources. Ages 51-60: Has blood pressure that is 145/85 or better, with or without treatment, from all sources. Ages 61-70: Has blood pressure that is 145/90 or better with or without treatment from all sources. Ages 71 and over: Has blood pressure that is 150/90 or better, with or without treatment from all sources and no pulse pressure greater than 75

Cholesterol:
Ages 70 and under: Has a cholesterol count with or without treatment – 240 or less, with a total cholesterol/HDL ratio of 5.5 or less. Ages 71 and over: Has a cholesterol count with or without treatment – 150-260, with a HDL of at least 40.

Family History:
Has not had a natural parent die from coronary artery disease or cancer prior to age 60. Not applicable for age 71 & older.

Tobacco:
Has not used tobacco or nicotine, in any form, in the past 3 years. Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine specimen is negative for nicotine by-products

Driving Record:
Must not have more than two moving violations in the past three years or a DWI, DUI or reckless driving conviction or non-administrative license suspension in the 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