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Transamerica Underwriting Guidelines

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Transamerica Underwriting Guidelines

Top 3 Health Classes

 

#1 Health Class = Preferred Plus

#2 Health Class =  Preferred

#3 Health Class = Standard Plus

 

#1 Health Class = Preferred Plus

Blood Pressure: -Up to age 70 – 135/85.  Ages 71+ – 145/85.  Ages 49 & under: Without treatment.  Ages 50–80: With treatment, as long as readings fit criteria above.  Ages 81+: Without treatment

Cholesterol: Cholesterol with or without treatment: 230 Cholesterol/HDL 5.0 for ages 70 & under.  5.5 for ages 71+.

Family History: No family deaths before age 65 of heart, vascular disease,  or cancer of either parent or any sibling. Disregard if age 65 or older. Some gender specific cancers may qualify for better rates.

Tobacco: No tobacco/nicotine for 5 years

Driving Record: No more than 2 moving violations in the past 3 years.  No convictions for operating a motor vehicle while under the influence of alcohol or drugs.  No reckless driving in the past 5 years.

#2 Health Class = Preferred

Blood Pressure: With or without treatment, up to and including age 70 – 145/85.   age 71+ –  150/90.

Cholesterol: Cholesterol with or without treatment: 260 Cholesterol/HDL 5.5 for ages 70 & under. 6.0 for ages 71+.

Family History: No family deaths before age 60 of heart, vascular disease, or cancer of either parent. Disregard if 60 or older. Some gender specific cancers may qualify for better rates.

Tobacco: No tobacco /nicotine for 2 years.

Driving Record: No more than 2 moving violations in the past 3 years.  No convictions for operating a motor vehicle while under the influence of alcohol or drugs.  No reckless driving in the past 5 years

#3 Health Class = Standard Plus

Blood Pressure: With or without treatment, up to and including age 70 – 148/88.  Age 71+ – 152/88.

Cholesterol: Cholesterol with or without treatment: 300 Cholesterol/HDL 6.2 for ages 70 & under.  6.7 for ages 71+.

Family History: No family deaths before age 60 of heart, vascular disease, or cancer of either parent. Disregard if  71 or older.

Tobacco: No tobacco/nicotine use for 2 years

Driving Record: No more than 2 moving violations in the past 3 years.  No convictions for operating a motor vehicle while under the influence of alcohol or drugs.  No reckless driving in the past 5 years.

Height & Weight Limits

(Click on image to enlarge)

Transamerica_Height_&_Weight_Chart

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

Understanding Underwriting Guidelines

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