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Banner Life Underwriting Guidelines

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Top 4 Health Classes Banner Life Insurance Company

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

Banner Life Insurance Company underwriting guidelines for the health classes below are subject to change.  Call 888-681-4952 for the latest updates

Preferred Plus

Blood Pressure – Currently well controlled with or without treatment, with the average readings in the past two years not greater than 136/86

Cholesterol – 120-300 with or without treatment; CHOL/HDL Ratio may not exceed 4.5 with or without treatment

Family History – Cardiovascular Disease: No cardiovascular disease in either parent or sibling before age 60. A family history of cardiovascular disease is not a consideration for applicants over 70 who don’t use tobacco.

Tobacco Definition – No use of tobacco or nicotine-based products in the past 36 months. One celebratory cigar allowed per month with HO specimen negative for nicotine.

Motor Vehicle Report – No more than 2 moving violations in  last 3 years. No  DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Residence/Citizenship – Must be permanent U.S. resident for past 3 years and either a U.S. citizen or have permanent Visa or Green Card.

Preferred

Blood Pressure – Currently well controlled with or without treatment, with the average readings in the past two years not greater than 146/90

Cholesterol – 120-300 with or without treatment; CHOL/HDL Ratio may not exceed 5.5 with or without treatment

Family History – Cardiovascular Disease: No cardiovascular death in either parent before age 60. A family history of cardiovascular disease is not a consideration for applicants over age 70 who don’t use tobacco.

Tobacco Definition – No use of tobacco or nicotine-based products in the last 24 months. One celebratory cigar allowed per month with HO specimen negative for nicotine.

Motor Vehicle Report – No more than 2 moving violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Residence/Citizenship – Must be permanent U.S. resident for past 3 years and either a U.S. citizen or have permanent Visa or Green Card.

Standard Plus

Blood Pressure – Currently well controlled with or without treatment, with the average readings in the past two years not greater than 152/92

Cholesterol – 120-300 with or without treatment; CHOL/HDL Ratio may not exceed 6.5 with or without treatment

Family History – Cardiovascular Disease: No cardiovascular death of more than one parent before age 60.  A family history of cardiovasculardisease is not a consideration for applicants over age 70 who don’t use tobacco.

Tobacco Definition – No use of tobacco or nicotine-based products in the last 12 months. One celebratory cigar allowed per month with HO specimen negative for nicotine.

Motor Vehicle Report – No more than 3 moving violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 3 years.

Residence/Citizenship – Must be permanent U.S. resident for past 2 years and either a U.S. citizen or have permanent Visa or Green Card.

Standard

Blood Pressure – Currently well controlled with or without treatment, with the average readings in the past two years not greater than 156/94

Cholesterol – 120-300 with or without treatment; CHOL/HDL Ratio may not exceed 8.0 with or without treatment

Family History – Cardiovascular Disease: No cardiovascular death of more than one parent before age 60. A family history of cardiovascular disease is not a consideration for applicants over age 70 who don’t use tobacco.

Tobacco Definition – No use of tobacco or nicotine-based products in the last 12 months. One celebratory cigar allowed per month with HO specimen negative for nicotine.

Motor Vehicle Report – No more than 4 moving violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.

Residence/Citizenship – Must be permanent U.S. resident for past 2 years and either a U.S. citizen or have permanent Visa or Green Card.

Banner Life underwriting guidelines below are subject to change.  Call 888-681-4952 for the latest updates

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Other Factors That Will Effect The Health Class

  • Aviation
  • Scuba Diving, Sky Diving, Motor Racing or any other hazardous sports or activities
  • Hazardous Occupations
  • Foreign Travel
  • Alcohol | Drug History

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

Understanding Health Classifications

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