Principal National Life – Sample Underwriting Guidelines

For the most up to date details about Principal National Life health classes & underwriting guidelines call (888) 681-4952

TOP 2 HEALTH CLASSES

#1 Health Class = Super Preferred

#2 Health Class =  Preferred

#1 Health Class = Super Preferred

Blood Pressure: 
Use insurance exam average if no hypertension treatment. Use 12 month average if hypertension history. Cannot exceed: 140/83 at ages 20-44.  145/85 at ages 45-64.  150/90 at ages 65-85.

Cholesterol: 
Medication may be disregarded.  No super preferred if Cholesterol/HDL is 5.0+.

Family History: 
Includes parents & siblings.  Cardiovascular defined as: Coronary Artery Disease, Peripheral Vascular Disease, Stroke and Transient Ischemic Attack.  No death prior to age 65 of: Cardiovascular Disease – Breast Cancer – Colon Cancer – Ovarian Cancer – Prostate Cancer – Diabetes.  Disregard cancer of opposite sex except for colon cancer.  Family history not considered for applicants aged 71+.

Tobacco: 
Tobacco use includes any tobacco or nicotine product (i.e. cigar, patch, gum & marijuana) – No tobacco use for past five years to qualify for Super Preferred.

Driving Record: 
No more than two moving violations in the past 3 years.  No driving under the influence or reckless driving in 5 years.

#2 Health Class = Preferred

Blood Pressure: 
Use insurance exam average if no hypertension treatment.  Use 12 month average if hypertension history. Cannot exceed: 150/85 at ages 20-44.  155/90 at ages 45-64.  160/92 at ages 65-85.

Cholesterol: 
Medication may be disregarded.  No preferred if Cholesterol/HDL is 7.0+.

Family History: 
Includes parents & siblings.  Cardiovascular defined as: Coronary Artery Disease, Peripheral Vascular Disease, Stroke and Transient Ischemic Attack.  No death prior to age 65 of: Cardiovascular Disease – Breast Cancer – Colon Cancer – Ovarian Cancer – Prostate Cancer – Diabetes.  Disregard cancer of opposite sex except for colon cancer.  Family history not considered for applicants aged 71+.

Tobacco: 
Tobacco use includes any tobacco or nicotine product (i.e. cigar, patch, gum & marijuana) – Celebratory cigar use of 12 or fewer in prior 12 months and a negative test will qualify at Non Tobacco rates.  No other tobacco use for: 2 years ages – 20-70.  3 years ages 71-85.

Driving Record: 
No more than two moving violations in the past 3 years. – No driving under the influence or reckless driving in 5 years.

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 Principal National Life 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.

CALL: 888-681-4952