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Prudential Life Underwriting Guidelines

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Prudential Underwriting Guidelines

Top 3 Health Classes

#1 Health Class = Preferred Best

#2 Health Class =  Preferred

#3 Health Class = Non-smoker Plus

#1 Health Class = Preferred Best

Blood Pressure: Up to 130/80 for ages up to 49.  Up to 135/85 for ages 50 and over.  Without medication.

Cholesterol: Cholesterol/HDL ratio 5 or less. With or without medication.

Family History: No death of parents or siblings from Coronary Artery Disease, Cerebrovascular Disease or cancer prior to age 60.  Cancer limited to those with a high family risk – breast, colon, melanoma, ovarian, pancreas, prostate and stomach.

Tobacco: No tobacco or nicotine use within last 5 years.

Driving Record: No DWI or reckless driving within the last 5 years.  No license suspension within the last 3 years.  No more than 1 citation for moving violation or motor vehicle accident within the last 3 years.

#2 Health Class = Preferred Plus

Blood Pressure: Up to 135/85 for ages up to 49.  Up to 140/90 for ages 50 and over.  With or without medication.

Cholesterol: Cholesterol/HDL ratio 6 or less.  With or without medication.

Family History: No death of more than one parent from Coronary Artery Disease, Cerebrovascular Disease, or cancer prior to age 60.  Cancer limited to those with a high family risk – breast, colon, melanoma, ovarian, pancreas,  prostate and stomach.

Tobacco: No tobacco or nicotine use within last 3 years.

Driving Record: No DWI or reckless driving within the last 5 years.  No license suspension within the last 3 years.  No more than  2 citations for moving violation or motor vehicle accidents within the last 3 years.

#3 Health Class = Standard Plus

Blood Pressure: Up to 140/90 for ages up to 49.  Up to 145/90 for ages 50 and over.  With or without medication.

Cholesterol: Cholesterol/HDL ratio 7 or less.  With or without medication.

Family History: No Specific Criteria.

Tobacco: No cigarettes within last 12 months.  May smoke cigars, pipe or chew tobacco.

Driving Record: Actual driving history will be evaluated to determine qualification for this class.

Height & Weight Limits

(Click on image to enlarge)

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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
  • Residence | Citizenship
  • Alcohol | Drug History

For the most up to date details about Prudential Life Insurance Life Insurance Company’s health classes & underwriting guidelines call (888) 681-4952

Understanding Health Classifications

Life Insurance Company Reviews

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