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Protective Life Underwriting Guidelines

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The Top 3 Health Classes for Protective Life Insurance Company are…

  1. Select Preferred
  2. Preferred
  3. Standard

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

Select Preferred

Blood Pressure – Through Age 70 Average from current medical exam and history readings within the last year do not exceed 135/85 through age 60 or 140/85 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS readings throughout the year. OVER Age 70  Average from exam and readings within the last year may not exceed 150/90. Treated blood pressure must have been controlled  or one year with favorable APS readings throughout the year.

Cholesterol – Through Age 70 Total Cholesterol not greater than 275 including treated cholesterol and Cholesterol/HDL Ratios is 4.5 or less. OVER Age 70 Total Cholesterol may not be lower than 130 untreated and may not exceed 275 with or without treatment. Cholesterol/HDL Ratio may not exceed 4.5.

Family History – Through Age 70 No history of or death from cancer*, heart disease, or any cardiac-related condition, of either natural parent or sibling prior to age 60. Waived if the applicant is actual age 60 or older unless both natural parents died from one of the same preceding impairments prior to age 60. *Family history cancers are limited to those types that clearly demonstrate a genetic predisposition, i.e. breast,  colon, prostate, ovarian, melanoma, lung cancer. OVER Age 70 None.

Tobacco Definition – Through Age 70  No nicotine use for the past 5 years (urine nicotine negative). Will allow up to 6 celebratory cigars over the past  12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative for nicotine Over Age 70  No nicotine use for the past 5 years (urine nicotine negative). Will allow up to 6 celebratory cigars over the past 12 months if usage is admitted on the  application and/or medical examination and the current urine specimen is negative for nicotine.

Motor Vehicle Report – Through Age 70  Not available if two or more moving violations in the last three years or any DUI or reckless driving in the last five  years. OVER Age 70 Not available if two or more moving violations in the last three years or if any DUI or reckless driving in the last five  years

Residence/Citizenship – Through Age 70 Citizen of U.S. (including Puerto Rico) or Canada or proof of permanent residence. Over Age 70 Citizen of U.S.  (including Puerto Rico) or Canada or proof of permanent residence.

Preferred

Blood Pressure – Through Age 70 Average from current medical exam ad history readings within the last year do not exceed 140/90 through age 60 or 150/90 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS  readings throughout the year. OVER Age 70 Average from exam and readings within the last year may not exceed 160/95. Treated blood pressure must have been controlled  or one year with favorable APS readings throughout the year.

Cholesterol – Through Age 70 Average from current medical exam ad history readings within the last year do not exceed 140/90 through age 60 or 150/90 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS readings throughout the year. OVER Age 70 Average from exam and readings within the last year may not exceed 160/95. Treated blood pressure must have been controlled  or one year with favorable APS readings throughout the year.

Family History – Through Age 70 No death from cancer*, heart disease, or any cardiac-related condition, of either natural parent or sibling prior to age  60. Waived if the applicant is actual age 60 or older unless both natural parents died from one of the same preceding impairments prior to  age 60. *Family history cancers are limited to those types that clearly demonstrate a genetic predisposition, i.e. breast, colon, prostate, ovarian,  melanoma, lung cancer.  OVER Age 70 None.

Tobacco Definition – Through Age 70 No nicotine use of any kind during the last 24 months (urine specimen negative). Will allow up to 12 celebratory cigars  over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative  for nicotine. Over Age 70 No nicotine use of any kind during the last 24 months (urine specimen negative). Will allow up to 12 celebratory cigars  over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative  for nicotine.

Motor Vehicle Report – Through Age 70 Not available if three or more moving violations in the last three years or any DUI or reckless driving in the last five  years. OVER Age 70 Not available if three or more moving violations in the last three years or any DUI or reckless driving in the last five  years.

Residence/Citizenship – Through Age 70 Citizen of U.S.  (including Puerto Rico) or Canada or proof of permanent residence. Over Age 70 Citizen of U.S.  (including Puerto Rico) or Canada or proof of permanent residence.

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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  Protective Life health classes & underwriting guidelines call (888) 681-4952

Understanding Health Classifications

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