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

Top 3 Health Classes for MetLife

#1 Health Class = Elite Plus

#2 Health Class = Elite

#3 Health Class = Preferred

#1 Health Class = Elite Plus

Blood Pressure:
Ages 40 & under: 130/80. Ages 41-54: 135/85. Ages 55 -69: 140/85. Ages 70 & over: 140/90. Under age 55; No blood pressure medication within the last 12 months.

Cholesterol:
Ages 54 & under: 200 / HDL Ratio 4.5. Ages 55-69: 230 / HDL Ratio 4.5. Ages 70 & over: 150-240 / HDL Ratio 5.0. Current medication OK if acceptable level maintained for at least 12 months for all ages.

Family History:
Ages 65 & under – No death from cardiovascular disease of cancer in parent or sibling prior to age 60. Some cancers may qualify. A wellness consideration MAY be allowed to offset one early family history death due to cardiovascular disease or cancer. Not applicable to insureds 66 & older.

Tobacco:
No nicotine use of any form in the past 60 months plus a negative nicotine urine test.

Driving Record:
No DWI convictions within past 5 years. Maximum of 1 moving violation within past 3 years.

#2 Health Class = Elite

Blood Pressure:
Age 40 & under: 140/85. Ages 41-54: 140/85. Ages 55-69: 140/90. Ages 70 & over: 145/90. Under age 41: No medication within the last 12 months.

Cholesterol:
Ages 54 & under: 240 / HDL Ratio 5.0. Ages 55-69: 260/ HDL Ratio 5.5 or 280 / HDL Ratio 5.0. Ages 70 & over: 150-280 /HDL Ratio 5.5 or 150-300 / HDL Ratio 5.0. Current medication OK if acceptable level maintained for at least 12 months for all ages.

Family History:
Ages 65 & younger – No death from cardiovascular disease or cancer in a parent or sibling prior to age 60. Some cancers MAY qualify. A “wellness” consideration may be allowed for proposed insureds age 50-65 to offset one early family history death due to cardiovascular disease or cancer. Not applicable to insureds 66 & older.

Tobacco:
No use of nicotine in any form for past 36 months and negative nicotine urine test. A celebratory cigar (limited to 4 per year) with negative nicotine urine test qualifies.

Driving Record:
No DWI convictions within past 5 years. Maximum of 2 moving violations within past 3 years.

#3 Health Class = Preferred

Blood Pressure:
Ages 40 & under: 145/90. Ages 41-54: 145/90. Age 55-69: 150/90. Ages 70 & over: 155/90. Current medication acceptable for all ages.

Cholesterol:
Age 54 & under: 260/ HDL Ratio 6.0 or 280/HDL Ratio 5.5. Age 55-69: 280/HDL Ratio 6.5 or 300/HDL Ratio 6.0. Age 70 & over: 150-300/HDL Ratio 7.0 or 150-310/HDL Ratio 6.5. Current medication acceptable for all ages.

Family History:
Ages 65 & Under – No death from cardiovascular disease or cancer in parent or siblings prior to age 60. Some cancers MAY qualify. A “wellness” consideration may be allowed for proposed insureds age 40-65 to offset one early family history death due to cardiovascular disease or cancer. Not applicable for insureds 66 & over.

Tobacco:
No cigarettes or tobacco substitutes in the past 24 months and negative nicotine urine test.

Driving Record:
No DWI convictions within past 5 years. Maximum 3 moving violations within past 3 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